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-3822406
23 Nov 2022 Bank of Scotland Plc Not upheldConsumer CreditDRN-3822406 The complaint Mrs O complains that Bank of Scotland plc trading as Halifax (BoS) sold her loan account and current account to a debt collection agency with incorrect balances. She’s also unhappy BoS hasn’t sent her statements for these accounts after she requested them. What ha... (3 pages)View decision -
Decision Reference DRN8347559
7 Jul 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr D complains that a representative of Legal & General Partnership Services Limited (L&G) mis-sold him a repayment mortgage and wrongly advised him to consolidate his debt. He says the term of the mortgage was extended to make this affordable. He says he wa... (3 pages)View decision -
Decision Reference DRN-3084584
4 Oct 2021 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3084584 The complaint Miss L complains that Creation Consumer Finance Ltd (CCFL) were irresponsible in approving her loan application for £9,900. What happened On 5 January 2018 CCFL approved Miss L’s online loan application. She was given a loan for £9,900 over a 60-month term at 14.9... (4 pages)View decision -
Decision Reference DRN1757129
18 Oct 2018 Asset Collections & Investigations Limited Not upheldBanking and creditMr B on behalf of Miss N complains that Asset Collections and Investigations Limited continue to chase her for an outstanding loan despite their claim having been struck out by the courts. backgroundIn 2016 Asset Collections and investigations Limited (ACI) acquired ... (2 pages)View decision -
Decision Reference DRN2514290
9 Jun 2015 Barclays Bank Plc Not upheldBanking and creditThis complaint is about a secured loan of £100,000 Mr and Mrs L took out with Barclays Bank plc in 2006. This was a second charge loan – that is, an additional loan ranking second in priority behind the main mortgage which was with a different lender – used to consoli... (2 pages)View decision -
Decision Reference DRN-2831555
9 Aug 2021 Oakbrook Finance Limited Not upheldConsumer CreditDRN-2831555 The complaint Miss B complains that Oakbrook Finance Limited trading as Likely Loans (Likely Loans) provided lending to her which was unaffordable and irresponsible. She says that she had significant debt at the time of the lending. What happened In January 2017 Miss B applied ... (3 pages)View decision -
Decision Reference DRN0104963
22 Mar 2017 Ulster Bank Ltd Not upheldBanking and creditMr L complains that Ulster Bank Ltd refused to accept an offer of £21,000 in full and final settlement of a debt he has with them. He is also unhappy that they haven’t provided him with the original loan agreement and he questions the validity of charges Ulster ... (2 pages)View decision -
Decision Reference DRN3479009
2 Oct 2019 GE Money Home Lending Limited Not upheldBanking and creditMr and Mrs F say that mortgage advice they received from GE Money Lending Solutions (an appointed representative of GE Money Home Lending Limited) was unsuitable. In particular, they don’t think it was good advice to consolidate some of their existing debts.backgroundMr and Mrs F remortgag... (4 pages)View decision -
Decision Reference DRN-3331457
8 Aug 2022 Nationwide Building Society Not upheldBanking and PaymentsDRN-3331457 The complaint Mr S complains about Nationwide Building Society (“Nationwide”) for giving him misleading information about what was owed immediately on his credit card debt. He wants Nationwide to be held accountable and to pay him compensation or waive his debt. What happened M... (3 pages)View decision -
Decision Reference DRN7931706
9 Mar 2015 Lloyds Bank PLC Not upheldBanking and creditMiss G complains about defaults recorded on her credit file by Lloyds Bank PLC which relate to her loan and credit card accounts. She would like the bank to remove them. backgroundMiss G has defaults on her loan and credit card accounts, as she could not afford the repayments. She ob... (2 pages)View decision