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-5433527
28 Mar 2025 Tandem Home Loans Ltd UpheldMortgagesDRN-5433527 The complaint Mr R complains that Tandem Home Loans Ltd trading as Oplo HL Ltd gave him two secured loans that were unaffordable. What happened In March 2021, Mr R took out a secured loan (loan 1) with Oplo for £25,000 repayable over ten years. The loan had a fixed interest ... (7 pages)View decision -
Decision Reference DRN-5137196
12 Nov 2024 Evolution Lending Limited UpheldMortgagesDRN-5137196 The complaint Mr and Mrs Y complain that Evolution Lending Limited irresponsibly lent them a second charge mortgage (secured loan). What happened Mr and Mrs Y have taken out a series of secured loans with Evolution – in September 2016, April 2017, June 2018 and September 202... (5 pages)View decision -
Decision Reference DRN9447825
29 Apr 2013 Arrow Global Receivables Management Limited Not upheldBanking and creditMr B complains that Arrow Global has entered inaccurate information on his credit file, and that it was rude to him when he rang it to discuss an outstanding debt.background Mr B had a credit card with an outstanding balance of around £3,500. This debt was transferred to a third pa... (2 pages)View decision -
Decision Reference DRN-4604775
6 Feb 2024 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4604775 The complaint Mr C complains that Creation Financial Services Limited (Creation) lent to him irresponsibly. What happened Mr C applied for a credit card from Creation in February 2020 and it was agreed with a limit of £7,500. In July 2021, Creation increased the limit to £9,000... (5 pages)View decision -
Decision Reference DRN-4237658
18 Jul 2023 Oplo PL Ltd Not upheldConsumer CreditDRN-4237658 The complaint Miss M complains that Oplo PL Ltd lent to her irresponsibly. What happened In March 2020 Miss M applied for a loan with Oplo. Oplo approved the application and gave Miss M a loan for £10,000 repayable over 30 months with a monthly repayment of £471.34. Miss M comp... (3 pages)View decision -
Decision Reference DRN0892583
15 Jan 2015 Bank of Scotland Plc Not upheldBanking and creditMr B complains that Bank of Scotland plc (trading as Halifax) will not remove a default registration that it made on his credit file.backgroundMr B had a current account with Halifax, with an overdrawn balance. Mr B had not actively used the account since 2007, but made nominal payments... (2 pages)View decision -
Decision Reference DRN1215549
22 Feb 2016 NewDay Ltd UpheldBanking and creditMr C complains NewDay Ltd has told credit reference agencies his account defaulted in July 2010.backgroundMr C had a credit card account. He fell behind on his monthly payments and received a default notice dated 14 March 2009. At the time he owed just under £10,000... (2 pages)View decision -
Decision Reference DRN4387857
25 Jan 2018 Clydesdale Financial Services Limited UpheldBanking and creditMr M complains that he was wrongly informed by Clydesdale Financial Services Limited trading as Barclays Partner Finance (BPF) that he owed no further payments on a hire purchase agreement – when in fact he owed over £7,000. He wants it to accept a reduced sum in set... (2 pages)View decision -
Decision Reference DRN-2555456
30 Mar 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2555456 The complaint Mr L complains that Barclays Bank UK PLC trading as Barclaycard (Barclaycard) mismanaged his credit card account. What happened Mr L had a Barclaycard since 2006. The limit was increased by Barclaycard from £15,000 to £19,000 in January 2017. Mr L was in financial... (3 pages)View decision -
Decision Reference DRN-5023691
17 Sep 2024 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-5023691 The complaint Mrs W complains that Sainsbury's Bank Plc didn’t agree to write off her debt and handled her request poorly. What happened Mrs W has a credit card account with Sainsbury’s and in January 2023 she contacted the bank to inform it of her medical condition and... (3 pages)View decision
