We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 77331 results
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Decision Reference DRN-5247925
26 Feb 2025 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5247925 The complaint Mr F complains that The Royal Bank of Scotland Plc (RBS) did not provide the requested statement of account to prove the correct balance on his outstanding debt. What happened Mr F says he had an outstanding RBS debt that was passed to a debt collection agency... (2 pages)View decision -
Decision Reference DRN0184040
27 Oct 2017 Barclays Bank Plc Not upheldBanking and creditMiss C feels she’s been unfairly treated by Barclays Bank Plc as it offered her an increase on the credit limit of her credit card account in January 2016. She feels this is irresponsible lending.backgroundMiss C says that Barclays’ shouldn’t have increased her credit ... (2 pages)View decision -
Decision Reference DRN7153549
30 Aug 2017 Bank of Scotland Plc Not upheldBanking and creditMrs R complains that Bank of Scotland plc (trading as Halifax) gave her bad advice when she wanted to switch her account, so now she risks having a default on her credit record.background Mrs R said that she wanted a loan to pay off her overdraft, but Halifax woul... (3 pages)View decision -
Decision Reference DRN3466516
4 Jun 2020 FirstRand Bank Limited UpheldBanking and creditMr B complains about a default being registered against him in relation to an agreement he had with FirstRand Bank Limited (trading as Miotonovo).backgroundIn February 2015 Mr B was supplied with a car and entered into a hire purchase agreement with Motonovo. The total amount repayable und... (3 pages)View decision -
Decision Reference DRN-5502625
10 Nov 2025 Barclays Bank Plc Not upheldBanking and PaymentsDRN-5502625 The complaint B, a limited company, complains that Barclays Bank Plc failed to defend a chargeback against it for £2,000 and reported a default to the credit reference agencies. What happened In May 2024 a chargeback claim was raised against B for £2,000. Barclays wrote to B... (3 pages)View decision -
Decision Reference DRN3110829
3 Apr 2019 Santander UK Plc Not upheldPayment protection insurance (PPI)Mr H’s complaint is about the amount of compensation Santander UK Plc (Santander) offered to settle his complaint about a mis-sold PPI policy taken out alongside his credit card. He is also unhappy with the process followed in dealing with his complaint and how the pa... (3 pages)View decision -
Decision Reference DRN6527982
15 Jan 2021 Lowell Financial Ltd Not upheldBanking and creditMrs C complains that Lowell Financial Ltd contacted her over an extended period of time about debts that didn’t belong to her. She also complains about the impact this has had on her credit file. background I’ll set out the chronology of what’s happened as far as I understand it. Lowell se... (3 pages)View decision -
Decision Reference DRN-6063089
5 Feb 2026 Everyday Lending Limited Not upheldConsumer CreditDRN-6063089 The complaint Mr G complains Everyday Lending Limited trading as Evlo (Evlo) acted irresponsibly when it approved a consolidation loan for him. What happened Mr G says in July 2023 Evlo approved a loan for £10,000 specifically intended to clear certain external debts. Mr G s... (3 pages)View decision -
Decision Reference DRN-4330602
18 Dec 2023 Plata Finance Limited UpheldConsumer CreditDRN-4330602 The complaint Mrs C complains Plata Finance Limited trading as Zopa (at the time trading as Zopa Limited) irresponsibly arranged a loan that was unaffordable for her. What happened In January 2019 Zopa arranged a loan for Mrs C of £5,000 with a fee of £140. The loan was to be r... (4 pages)View decision -
Decision Reference DRN4406675
30 Sep 2015 Liverpool Victoria Friendly Society Limited Not upheldPayment protection insurance (PPI)Mr W’s complaint is about mis-sale of a payment protection insurance (PPI) policy and the way Liverpool Victoria Friendly Society Limited (Liverpool Victoria) plans to use the compensation it has offered to put this right.backgroundMr W complained that Liverpool Vict... (2 pages)View decision