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 70898 results
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Decision Reference DRN8805980
22 Nov 2018 Cabot Credit Management Group Limited Not upheldBanking and creditMr E complains that Cabot Credit Management Group Limited didn’t deal correctly with a debt it bought from another business. backgroundMr E had a credit card account with a business I will call N. This was opened in February 2017 and closed in December 2017. Cabot says... (3 pages)View decision -
Decision Reference DRN-2829394
19 Aug 2021 Everyday Lending Limited UpheldConsumer CreditDRN-2829394 The complaint Mr S complains that Everyday Lending Limited trading as Everyday Loans irresponsibly provided him with unaffordable loans. What happened Everyday Lending provided Mr S with loans as follows: Date Amount Term Monthly repayment Loan one 26/10/2018 £3,500 36 Months £... (4 pages)View decision -
Decision Reference DRN-3065690
1 Apr 2022 UK Credit Limited UpheldConsumer CreditDRN-3065690 The complaint Mr W complains about a loan given to him by UK Credit Limited. What happened In June 2018, Mr W applied to UK Credit for a loan of £4,000. The loan was agreed and was to be repaid in 60 monthly instalments of £176.39. Mr W says that the loan was never affordable f... (4 pages)View decision -
Decision Reference DRN-5146751
14 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5146751 The complaint Mr B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and went on to increase his credit limit. What happened The background to this complaint and my initial conclusions were set out in a provisional dec... (4 pages)View decision -
Decision Reference DRN-3815722
3 Feb 2023 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-3815722 The complaint Mr J complains about how Sainsbury's Bank Plc (“Sainsbury’s”) dealt with his financial difficulties and that it reported his account as being in default. What happened In 2021, Mr J got in touch with a debt charity to help him with his financial difficulties.... (3 pages)View decision -
Decision Reference DRN-4360779
1 Nov 2023 Swift 1st Limited Not upheldMortgagesDRN-4360779 The complaint Mr and Mrs W have complained to Swift 1st Limited trading as Swift Advances about a second charge loan. The loan was originally taken out with lender W and it was transferred to lender C in May 2018. Lender C then transferred it to Swift in April 2023. Mr and Mrs ... (3 pages)View decision -
Decision Reference DRN7482980
7 Mar 2016 Bank of Scotland Plc Not upheldBanking and creditThis complaint is about Mr and Mrs H’s mortgage with Bank of Scotland plc trading as Halifax. They complain that a further advance taken out in 2007 for debt consolidation was mis-sold. They also complain that on releasing the 2007 further advance, Halifax wrongly ex... (4 pages)View decision -
Decision Reference DRN-3004440
16 Nov 2021 Santander UK Plc Not upheldBanking and PaymentsDRN-3004440 The complaint Mr L has complained that a refund of interest has been applied to the unsettled portion of his credit card debt rather than being paid to him directly. What happened Mr L took out a credit card with Santander UK Plc in January 2011 and fell into arrears in April 2... (2 pages)View decision -
Decision Reference DRN-3168146
28 Feb 2022 Lloyds Bank PLC Not upheldConsumer CreditDRN-3168146 The complaint Ms H is unhappy that Lloyds Bank PLC didn’t amend her credit file as they’d agreed to. What happened Ms H previously brought a complaint to this service about a Lloyds personal loan which resulted in Lloyds agreeing to amend the date of a default for that loan acc... (2 pages)View decision -
Decision Reference DRN-2657928
5 Mar 2021 National Westminster Bank Plc UpheldConsumer CreditDRN-2657928 The complaint Mr M complains that National Westminster Bank Plc (NatWest) didn’t close his loan account after the debt was sold. What happened Mr M had a loan with NatWest. In November 2019, it was sold to a debt collection agency (DCA). Mr M received letters and statements fro... (2 pages)View decision