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 DRN-4016189
14 Apr 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4016189 The complaint Mr L, through his representative, complains that Everyday Lending Limited, trading as Everyday Loans, lent to him irresponsibly. What happened Mr L was approved for two loans and there was a gap in the lending relationship between the two. And so, I have considere... (7 pages)View decision -
Decision Reference DRN3303591
3 Sep 2015 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr O complained he was mis-sold payment protection insurance (PPI) with a credit card with Capital One (Europe) plc (Capital One).background Capital One agreed that Mr O had been mis-sold PPI and made him an offer of £441.54 in November 2014.Capital One said that beca... (2 pages)View decision -
Decision Reference DRN3122326
16 Nov 2016 Baines & Ernst Limited Not upheldBanking and creditMr M complains, in summary, that Baines & Ernst Limited, (“BEL”), didn’t provide him with appropriate information when he entered into a debt management plan (“DMP”) with it. The complaint is brought to this service on Mr M’s behalf by a claims management company (... (2 pages)View decision -
Decision Reference DRN6151749
3 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditM, a claims management company acting on behalf of Miss D, complains that her mortgage was mis-sold by an appointed representative of Legal & General Partnership Services Limited (“L&G”).backgroundMiss D remortgaged in 2005 acting on a recommendation from L&G... (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 DRN4942894
6 May 2016 Elevate Credit International Limited UpheldBanking and creditMr J complains that Elevate Credit International Limited (trading as Sunny) gave him a loan he couldn’t afford.backgroundMr J says he took out a loan with Elevate in August 2015. He accepts he wasn’t truthful about his income and expenditure. He says that’s because he ... (2 pages)View decision -
Decision Reference DRN8282286
6 Nov 2013 Bank Of Scotland Equipment Finance Limited Not upheldBanking and creditMs S says Bank of Scotland Equipment Finance Limited is wrongly asking her to repay an outstanding balance from a hire agreement she took out for her business. Ms S holdsBank of Scotland responsible for misleading information she says she was given by the broker of the credit, and the... (3 pages)View decision -
Decision Reference DRN6806111
5 Jun 2014 Vanquis Bank Limited UpheldBanking and creditMrs G complains that Vanquis Bank Limited has unfairly applied charges to her credit card account.backgroundMrs G made the minimum contractual payments on her Vanquis credit card by direct debit every month. But in April 2009 her account went over its credit limit of £1,000. This was not ... (2 pages)View decision -
Decision Reference DRN3217763
2 Mar 2015 Sesame Limited Not upheldBanking and creditMr and Mrs T complain – through their representative - that Sesame Limited mis-sold their mortgage.backgroundIn December 2005 Mr and Mrs T consulted White Rose Consultancy, an authorised representative of Sesame, in order to obtain a mortgage for a property they wished to buy. As a resu... (2 pages)View decision -
Decision Reference DRN-3724023
5 Dec 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3724023 The complaint Ms G, through her representative, complains that the loans from Everyday Lending Limited, trading as Everyday Loans, were mis-sold to her. Ms G also complains about the rate of interest charged to her. What happened Using information from Everyday Lending’s record... (7 pages)View decision
