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 71000 results
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Decision Reference DRN3591007
17 May 2017 TSB Bank plc UpheldBanking and creditMiss D complains that TSB Bank Plc (TSB) mis-sold her a personal loan to consolidate her existing debts, and has incorrectly defined her bank account as being a staff account.backgroundMiss D has been a customer of TSB for some years. Around the start of 2015, TS... (3 pages)View decision -
Decision Reference DRN-3893462
11 Jan 2023 Avantcredit Of Uk, Llc Not upheldConsumer CreditDRN-3893462 The complaint Mr A says AvantCredit of UK, LLC irresponsibly lent to him. What happened Mr A took out two instalment loans from AvantCredit. Loan 1 was for £3,100 over 24 months. It was taken out on 11 April 2016 and repaid on 26 April 2018. The monthly repayment was £190.40. L... (3 pages)View decision -
Decision Reference DRN-4028189
13 Apr 2023 Zopa Bank Limited Not upheldConsumer CreditDRN-4028189 The complaint Miss C complains that Zopa Bank Limited irresponsibly gave her a peer-to-peer loan she couldn’t afford. What happened In April 2022, Miss C applied for a peer-to-peer loan through Zopa for £20,000. She was required to pay 60 monthly repayments of £486.48. In June ... (3 pages)View decision -
Decision Reference DRN1975387
7 Mar 2017 Shop Direct Finance Company Limited UpheldBanking and creditMr M complains that Shop Direct Finance Company Limited (trading as Very) kept offering him more credit and put him into debt. He was also unhappy with the service he received.background Mr M said that Very kept offering him more credit. He said he was unemploye... (2 pages)View decision -
Decision Reference DRN6292759
11 Feb 2020 Bank of Scotland Plc Not upheldBanking and creditMr K’s complaint is that Bank of Scotland plc (trading as Halifax) (Halifax) registered a default on his credit file and that the debt has since been passed to a debt recovery agent.background Mr K fell behind in his repayments to Halifax, which meant that his account was sent to recoverie... (2 pages)View decision -
Decision Reference DRN1593878
29 Nov 2016 Butler-Do Ltd Not upheldBanking and creditMiss O complains that she was mis-sold a debt management plan (“DMP”) by Butler-Do Ltd (trading as Kensington Finance).backgroundMiss O is represented in this complaint by a claims management company which I will call D.In 2013 Miss O entered a DMP provided by Kensing... (2 pages)View decision -
Decision Reference DRN4996766
13 Aug 2014 HSBC Bank plc Not upheldBanking and creditMr M complained because he said that HSBC Bank Plc had transferred money from his personal account to his business loan without telling him. He said that £1,300 of overdraft fees should be waived as he didn’t owe them, and complained that the bank’s calls to his mother distressed her.... (2 pages)View decision -
Decision Reference DRN-5117001
31 Oct 2024 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-5117001 The complaint Mr P complains that Shop Direct Finance Company Limited unfairly rejected his repayment offer for his catalogue shopping account after it fell into arrears. Mr P is also unhappy Shop Direct recorded a default against his account on his credit file and sold his ... (5 pages)View decision -
Decision Reference DRN-1936231
6 Aug 2020 Everyday Lending Limited UpheldConsumer CreditDRN-1936231The complaintMiss R has complained about loans granted to her by Everyday Lending Limited (“EDL”). She says that the loans were unaffordable for her and EDL was wrong to have agreed to them. What happenedEDL agreed two loans for Miss R: a loan of £6,000 in July 2018; a second of... (5 pages)View decision -
Decision Reference DRN2201297
23 Jul 2015 National Westminster Bank Plc Not upheldBanking and creditS, a limited company, complains that National Westminster Bank Plc did not respond to its offers to settle its debt and made numerous errors. It asks that NatWest refunds interest and pays compensation. S is represented by its director, Mr M, and its accountant, which... (2 pages)View decision
