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 DRN-4639571
20 Aug 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4639571 The complaint Mr D has complained about the circumstances surrounding Bank of Scotland plc, trading as Halifax, suspending his credit card account. What happened Mr D has a credit card account with Halifax, which it suspended due to persistent debt. Mr D has explained that h... (3 pages)View decision -
Decision Reference DRN-5537375
16 May 2025 Fairscore Ltd Not upheldConsumer CreditDRN-5537375 The complaint Mr D complains that Fairscore Ltd trading as Updraft was irresponsible in its lending to him. He wants all interest and charges on his loans refunded along with statutory interest. He also wants any adverse information regarding the loans removed from his credi... (3 pages)View decision -
Decision Reference DRN9931355
17 Dec 2013 Vanquis Bank Limited Not upheldBanking and creditMr C complains that Vanquis Bank Limited has unfairly refused to refund interest and charges applied to his credit card account between December 2009 and March 2010. He contacted Vanquis in September 2012, but the bank did not refund any money.backgroundMr C came into serious financial ... (1 page)View decision -
Decision Reference DRN2432748
8 Aug 2018 Casheuronet UK LLC Not upheldBanking and creditMs W complains that CashEuroNet UK LLC, trading as Pounds to Pocket, was irresponsible to offer her a loan. She asks that the cost of the loan is paid back to her. backgroundMs W took out one loan with Pounds to Pocket in June 2012. The loan was repayable in ins... (2 pages)View decision -
Decision Reference DRN-4070162
4 Sep 2023 Suitable Choices Limited Not upheldMortgagesDRN-4070162 The complaint Mr S complains about poor mortgage advice from Suitable Choices Limited. He says the mortgage offer it secured for him expired before his existing product expired. He was unable to re-mortgage and consolidate debt, and by the time he took out a new interest rate p... (2 pages)View decision -
Decision Reference DRN4488877
30 Jan 2017 Barclays Bank Plc Not upheldBanking and creditMrs D complains that Barclays Bank Plc has not treated her fairly in that it made two loans to her which she considers were irresponsible, given her financial circumstances. She says the loans made her financial situation worse. She would like the bank to write of... (2 pages)View decision -
Decision Reference DRN-4771068
7 May 2024 Loans 2 Go Limited Not upheldConsumer CreditDRN-4771068 The complaint Miss S complains that Loans 2 Go Limited (“L2G”) irresponsibly agreed a loan for her. Miss S has brought her complaint to us via a representative but I will refer to her throughout for simplicity. What happened L2G agreed a £1,000 loan for Miss S in December 2021.... (3 pages)View decision -
Decision Reference DRN5585785
31 Oct 2013 Barclays Bank Plc Not upheldBanking and creditMr W had a Barclays Bank Plc (trading as Barclaycard) credit card. He complains that Barclaycard failed to notify him of an unpaid debt, sold the debt to a debt recovery agency, and recorded adverse information on the file in his name held by credit reference agencies.background Mr W mad... (2 pages)View decision -
Decision Reference DRN5392747
29 Apr 2016 Lloyds Bank PLC Not upheldBanking and creditMr M complains about his current account with Lloyds Bank PLC. He says the bank didn’t give him sufficient information to enable him to make an informed choice when he agreed to settle his debt to the bank. backgroundMr M says that, at the relevant time, his overd... (2 pages)View decision -
Decision Reference DRN8503667
10 Sep 2013 Creation Financial Services Limited UpheldBanking and creditMiss G complains that Creation Financial Services Limited applied interest and charges to her account since 2009, even though she was trying to pay it off under a debt management plan. backgroundWhen Miss G first set up the plan, in October 2009, she owed about £430. By October 2012,... (2 pages)View decision
