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-4865564
27 Jun 2024 Somerset Bridge Insurance Services Limited UpheldInsuranceDRN-4865564 The complaint Mrs S has complained about the amount Somerset Bridge Insurance Services Limited charged when it cancelled her car insurance policy. Somerset Bridge was operating under one of its trading names when it did this, but I have referred to Somerset Bridge in this decis... (3 pages)View decision -
Decision Reference DRN-2692752
10 Jun 2021 Intrum UK Limited Not upheldConsumer CreditDRN-2692752 The complaint Mr M and Mrs R complain that Intrum UK Limited is asking them to repay a debt that they don’t owe. What happened In 2009 Intrum took over ownership of a loan debt that it says Mr M and Mrs R owed to a business that I will call “C”. In 2011, Mr M and Mrs R agreed t... (3 pages)View decision -
Decision Reference DRN-3751230
13 Oct 2022 Capital One (Europe) plc UpheldBanking and PaymentsDRN-3751230 The complaint Mr E complains that Capital One (Europe) plc acted irresponsibly when they offered him a credit card as he had only just finished repaying a debt to them. What happened Mr E first took out a credit card with Capital One in 2013. In 2016 Mr E got into difficulties ... (3 pages)View decision -
Decision Reference DRN-2586841
12 Feb 2021 Bank of Scotland Plc UpheldConsumer CreditDRN-2586841 The complaint Mr S complains Bank of Scotland plc (BOS) sold his loan account to a third party after being told the loan had been written off with no further payments required. What happened Below is intended to be a summary of what happened and does not therefore include a ful... (3 pages)View decision -
Decision Reference DRN-4313308
3 Jan 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4313308 The complaint Mrs D, a sole trader, is unhappy with the service she received from Barclays Bank UK PLC surrounding the defaulting of her Bounce Back Loan (“BBL”) What happened Mrs D had fallen into arrears on her BBL and in January 2023 she contacted Barclays for support. Barcl... (3 pages)View decision -
Decision Reference DRN2964189
17 Oct 2017 Bank of Scotland Plc Not upheldBanking and creditMr A complains about how Bank of Scotland plc (trading as Halifax) has handled his student overdraft.background Mr A said that he’d run up a large overdraft with Halifax when he was a student. He didn’t think that Halifax should’ve lent him so much money. He said tha... (3 pages)View decision -
Decision Reference DRN4727087
5 Sep 2017 Welcome Financial Services Limited Not upheldBanking and creditMr A complains that he is being pursued by Welcome Financial Services for a debt which is not his.backgroundMr A says that a loan taken out with WFS in 2006 was taken out fraudulently. He had not applied for it and says that he is being pursued unfairly.When he ... (1 page)View decision -
Decision Reference DRN3437997
6 Jun 2017 Endsleigh Insurance Services Ltd Not upheldInsurance (excluding PPI)Mr E complains that Endsleigh Insurance Services Ltd has handled the cancellation of his home insurance policy unfairly and unreasonably.backgroundMr E arranged his home insurance through Endsleigh for a number of years. His contents policy also included additional cover f... (2 pages)View decision -
Decision Reference DRN-5079948
17 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5079948 The complaint Mr B, through a representative, says Vanquis Bank Limited irresponsibly lent to him. What happened Mr B took out a credit card from Vanquis on 20 July 2016. He was given a credit limit of £250. This was increased to £750 in February 2017, to £1,750 in October 2... (3 pages)View decision -
Decision Reference DRN-4248579
29 Aug 2023 Gain Credit LLC UpheldConsumer CreditDRN-4248579 The complaint Mr R complains that Gain Credit LLC, trading as Drafty, did not treat him fairly in relation to the debt arising from the credit facility he applied for and used. What happened Using records and information from both parties here is a summary of what happened. Thi... (7 pages)View decision
