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
-
Decision Reference DRN9651518
3 Feb 2017 NRAM plc Not upheldBanking and creditMr H complains that NRAM plc sold him a loan in 2006 without checking that he could afford it.backgroundIn 2006 Mr H borrowed a five-figure sum of money from NRAM. He made his contractual repayments for two and a half years, but then struggled to repay it. In 2015 ... (2 pages)View decision -
Decision Reference DRN0580159
18 Sep 2019 Barclays Bank UK PLC Not upheldBanking and creditIn summary Mrs P has complained that as a result of Barclays Bank UK PLC not setting up a fraud claim when she contacted it, in December 2017; she lost the ability to pursue a debt for £12,000 on behalf of her late husband’s company. backgroundIn October 2017 Mrs P applied to Companies Hou... (3 pages)View decision -
Decision Reference DRN5290502
30 Jun 2014 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs A complain about the way Lloyds Bank plc has acted in enforcing its charge over their property for a business debt. They want the bank to stop charging interest on the outstanding debt and to agree an acceptable repayment plan with them, rather than force the property’s sale... (2 pages)View decision -
Decision Reference DRN-3169857
30 Nov 2021 Everyday Lending Limited UpheldConsumer CreditDRN-3169857 The complaint Mr W complained that Everyday Lending Limited (trading as Everyday Loans) lent to him irresponsibly and provided him with loans that were unaffordable. What happened Everyday Loans provided loans to Mr W as follows: Loan Date taken Amount Term Monthly repayme nt T... (5 pages)View decision -
Decision Reference DRN-2960054
27 Jun 2022 1plus1 Loans Limited UpheldConsumer CreditDRN-2960054 The complaint Mr M complained that 1Plus1 Loans Limited lent to him irresponsibly and provided him with an unaffordable loan. What happened Mr M was given a loan by 1Plus1 as follows: Date taken Loan status Number of monthly instalments Loan amount Monthly repayment* Total paya... (4 pages)View decision -
Decision Reference DRN6509467
26 Aug 2015 Legal & General Partnership Services Limited Not upheldBanking and creditUnder the rules of the Financial Ombudsman Service, I am required to ask Mr and Mrs B either to accept or reject my decision before 28 September 2015. Jan O’Leary ombudsman at the Financial Ombudsman ServicecomplaintThrough a claims management company (CMC) Mr and Mrs B complai... (2 pages)View decision -
Decision Reference DRN9722624
17 Feb 2018 Nationwide Building Society Not upheldBanking and creditMr D complains that Nationwide Building Society has unfairly and unreasonably failed to reply to the concerns he’s raised about his mortgage. He wants a response.backgroundMr D has a mortgage with Nationwide, which if repaid early meant he’d have to pay an early repaym... (2 pages)View decision -
Decision Reference DRN5457017
1 May 2019 Barclays Bank UK PLC Not upheldBanking and creditMrs L’s unhappy with a refund made by Barclays Bank UK PLC (trading as Barclaycard) to reflect the way it’s dealt with her in the past. backgroundMrs L says she received a £780.93 refund from Barclays in relation to a credit card she had which is now settled and clo... (3 pages)View decision -
Decision Reference DRN0320182
3 Jul 2014 MBNA Limited Not upheldPayment protection insurance (PPI)Miss T complains that MBNA Limited refuses to write off the balance of her account as she has asked it to. She considers that it should fairly do this because it mis-sold a Payment Protection Insurance (“PPI”) policy to her and should not have applied interest and charges to the accou... (2 pages)View decision -
Decision Reference DRN6321602
10 May 2019 Harvey & Thompson Limited UpheldBanking and creditMr B complains that Harvey & Thompson Limited (H&T) wrongly lent him money he couldn’t afford to pay back. backgroundMr B said that the business didn’t carry out proper affordability checks and allowed him to continue to borrow when he was in financial difficu... (4 pages)View decision
