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 DRN-4592009
1 Feb 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4592009 The complaint A limited company, which I’ll refer to as ‘R’, is unhappy that Barclays Bank UK PLC objected to its being struck off. R’s complaint is brought to this service by its director, whom I’ll refer to as ‘Mr H’. What happened R has an outstanding Bounce Back Loan (“BBL”... (3 pages)View decision -
Decision Reference DRN3145163
9 Feb 2016 Lloyds Bank PLC UpheldBanking and creditMr H complains that Lloyds Bank plc transferred his account to a debt collection agency and recorded a default on his credit file.backgroundMr H was making regular payments to reduce his overdraft with Lloyds. But at the rate at which he was paying, it would have tak... (2 pages)View decision -
Decision Reference DRN-4219138
14 Jul 2023 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-4219138 The complaint Mr I complains that Cabot Credit Management Group Limited (Cabot) has unreasonably harassed him to pay an outstanding debt. What happened Cabot says that it purchased a defaulted credit card debt in Mr I’s name in early 2020. At that time, the original lender (O) ... (3 pages)View decision -
Decision Reference DRN-3493347
24 May 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3493347 The complaint Mr L complains through his representative that AvantCredit of UK, LLC lent him money on a high cost loan which he was unable to afford to repay. What happened AvantCredit provided Mr L with a loan of £5,600 on 19 May 2016 to be repaid over 60 months at the rate of... (4 pages)View decision -
Decision Reference DRN6052007
28 Jan 2016 Home Retail Group Card Services Limited Not upheldBanking and creditMs M complains about the charges that have been applied to her account with Home Retail Group Card Services Limited (trading as Argos Card Services).background Ms M initially said that some payments she made to her account were missing. These were payments she made he... (2 pages)View decision -
Decision Reference DRN9291297
2 Aug 2013 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)This complaint is about a personal loan taken out with National Westminster Bank Plc (“NatWest”), and the payment protection insurance (PPI) policy arranged with it. Mr and Mrs L complain that, because the PPI was mis-sold to them – a conclusion they apparently reached after an attempted ... (2 pages)View decision -
Decision Reference DRN-4217854
29 Jun 2023 Cabot Financial (Europe) Limited Not upheldMortgagesDRN-4217854 The complaint Ms T’s complaint is about a secured loan she took out in 2007 with Lender W, which is now owned by Cabot Financial (Europe) Limited. Ms T’s representative has said: the loan was mis-sold because it was lent irresponsibly as it was not affordable. This is because ... (3 pages)View decision -
Decision Reference DRN0113362
12 Apr 2018 Retail Money Market Ltd Not upheldBanking and creditMr A complains that Retail Money Market Ltd (trading as RateSetter Lenders) was irresponsible to provide a peer-to-peer loan when he couldn’t afford to pay it back. backgroundMr A borrowed £4,500 in February 2016 and agreed to repay nearly £5,750 over 48 months at ab... (3 pages)View decision -
Decision Reference DRN4956076
8 Sep 2016 MEM Consumer Finance Limited UpheldBanking and creditMr M complains that MEM Consumer Finance Limited (trading as Payday UK) gave him a payday loan he couldn’t afford. He wants it to waive the debt he owes and refund the interest and charges he paid.backgroundMr M took out a loan for £410 from Payday UK in 2011. H... (2 pages)View decision -
Decision Reference DRN-2734997
19 Apr 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2734997 The complaint Miss M complains Vanquis Bank Limited lent to her irresponsibly. What happened Miss M opened a credit card account with Vanquis. When Miss M applied for the card, she said that she had a personal income of £30,000 and her residential status was put as living with ... (3 pages)View decision
