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 DRN7714222
31 Oct 2014 Lloyds Bank PLC Not upheldBanking and creditMr G complains about Lloyds Bank plc’s handling of his current and credit card accounts, as well as about its treatment of him and his son. background Mr G says he intended to repay the debts on his Lloyds accounts when he sold his house several years ago. That didn’t happen, and Mr G ... (2 pages)View decision -
Decision Reference DRN8281168
20 Jan 2016 Case Funding Centre UpheldBanking and creditThis complaint is about an interest-only mortgage sold to Mr F in 2005. The mortgage was arranged by a broker partnership called Case Funding Centre under the trading name New Horizons. Case Funding Centre (“CFC”) has ceased trading and a third party (which I’ll call... (5 pages)View decision -
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-5290895
10 Mar 2025 Lendable Ltd Not upheldConsumer CreditDRN-5290895 The complaint Mrs D complains that Lendable Ltd irresponsibly lent her two loans which she couldn’t afford. What happened Mrs D took out a loan with Lendable in January 2018. She borrowed £5,000 plus a fee over a term of four years. The monthly loan repayments were around £1... (3 pages)View decision -
Decision Reference DRN-3326322
16 Jun 2022 Tesco Personal Finance PLC UpheldConsumer CreditDRN-3326322 The complaint Mrs L complains that Tesco Personal Finance PLC trading as Tesco Bank (“Tesco”) lent irresponsibly when they approved her loan. What happened In May 2015, Mrs L applied for a loan of £18,500 over a term of four years with Tesco. The loan was approved and included ... (3 pages)View decision -
Decision Reference DRN0914938
30 Jul 2013 Barclays Bank Plc Not upheldBanking and creditMr C complains that Barclays Bank PLC, trading as Barclaycard, is pursuing him for repayment of an outstanding debt which he disputes. backgroundMr C says Barclaycard cannot provide a copy of a credit card agreement, meaning the debt is unenforceable. He wants the bank to remove the a... (1 page)View decision -
Decision Reference DRN-2242249
16 Oct 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2242249 The complaint Mr A complains that NewDay Ltd didn’t treat him fairly when he experienced financial difficulties. What happened Mr A had a credit card account with NewDay. He experienced financial difficulties after a change in his personal circumstances which impacted on his he... (5 pages)View decision -
Decision Reference DRN-4595000
1 Feb 2024 Madison CF UK Limited UpheldConsumer CreditDRN-4595000 The complaint Mrs M complains that Madison CF UK Limited trading as 118 118 Money (“118 118”) irresponsibly agreed a loan for her. What happened 118 118 agreed a loan of £4,000 for Mrs M in August 2022. The total amount owed was £7,665.12 to be repaid at £212.92 a month over 36... (4 pages)View decision -
Decision Reference DRN1223355
31 Oct 2013 Bank of Scotland Plc UpheldBanking and creditMrs K complains that Bank of Scotland plc, trading as Halifax, did not respond positively and sympathetically when she told it about her financial difficulties, and that it has passed her debt to external collections agencies. These actions have caused her distress and inconvenience, a... (2 pages)View decision -
Decision Reference DRN0882454
17 Jan 2017 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMrs R, represented by a claims management company (CMC), complains that Harrington Brooks (Accountants) Limited (the business) mis-sold her a debt management plan (DMP).backgroundMrs R entered into a DMP in July 2013. The DMP was set up by another company and then passe... (2 pages)View decision
