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 71155 results
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Decision Reference DRN8775664
31 Jul 2017 The On-Line Partnership Limited Not upheldBanking and creditMr and Mrs P complain about the mortgage advice they received in late 2008 and early 2009 from KRM Mortgage & Financial Consultants Ltd. KRM is an appointed representative of The On-Line Partnership Limited, trading as IN Partnership.Mr and Mrs P feel the advice... (2 pages)View decision -
Decision Reference DRN-3277838
21 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3277838 The complaint Mr D complains that AvantCredit of UK, LLC (Avant), lent to him irresponsibly. What happened Mr D was approved for a £5,000 loan on 16 September 2015 repayable over 24 months at just under £316 each month. The total charge for credit was £2,582.07. Nr D had told A... (4 pages)View decision -
Decision Reference DRN-3142593
5 Nov 2021 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3142593 The complaint Mr I complains that Lloyds Bank PLC failed to default a debt when he first asked it to, in 2015. He says that the more recent default from this account has stopped him buying the home he wanted for his family. What happened Mr I said he asked Lloyds to close and ... (4 pages)View decision -
Decision Reference DRN-1140660
19 Nov 2020 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-1140660 The complaint Mr L complains that Link Financial Outsourcing Limited cannot provide the deed of assignment for a loan it says it took over. What happened In March 2019 Mr L wrote to Link regarding correspondence he received in February concerning his liability for a loan. In hi... (3 pages)View decision -
Decision Reference DRN-4066228
4 May 2023 Clydesdale Bank Plc UpheldConsumer CreditDRN-4066228 The complaint Miss E complains Clydesdale Bank Plc trading as Virgin Money (‘Clydesdale’) has acted unfairly in relation to a loan it provided her with. What happened Clydesdale approved Miss E for a £6,400 loan. Miss E says this loan was used to settle a third-party loan (I’ll... (3 pages)View decision -
Decision Reference DRN1653292
1 Jul 2016 Arrow Global Limited UpheldBanking and creditMrs S complains that Arrow Global Limited chased her for payment of a debt that she had already paid.backgroundThe outstanding balance on Mrs S’s credit card was purchased by Arrow Global in 2011. In 2015 she paid an agreed amount to settle the account and receiv... (2 pages)View decision -
Decision Reference DRN9174251
15 Aug 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMrs B’s representative complains that she was mis-sold a mortgage by an authorised representative of Legal & General Partnership Services Limited (“L&G”).backgroundL&G arranged a remortgage for Mrs B in 2005. The new mortgage was for around £78,000 over 19 years, and was ... (3 pages)View decision -
Decision Reference DRN-3934598
27 Apr 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3934598 The complaint Mr T complains that Barclays Bank UK PLC trading as Barclaycard didn’t remove a record of a default on his credit file when it said it would. What happened Due to ill health Mr T was unable to meet the monthly payments due to his credit card. Mr T says Barclaycard... (3 pages)View decision -
Decision Reference DRN2255448
16 Apr 2018 HSBC Bank plc Not upheldBanking and creditMrs S complains that HSBC Bank Plc (HSBC) closed a joint account she had with it without notice and unfairly recorded a default on her credit record. background Mrs S and her husband had a joint account with HSBC. In early August 2016 Mr S was made bankrupt. After... (4 pages)View decision -
Decision Reference DRN-2838682
8 Jul 2021 PayPal Europe Sarl & Cie, SCA Not upheldBanking and PaymentsDRN-2838682 The complaint Miss I complains about the default that PayPal Europe Sarl & Cie, SCA has recorded on her credit file. What happened Miss I has an account with PayPal which had an outstanding balance. She entered into a debt management plan which included the debt that she ow... (3 pages)View decision
