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 71335 results
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Decision Reference DRN-3115112
19 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3115112 The complaint Mr H complains that NewDay Ltd trading as Aquacard lent him money he couldn’t afford to pay back, and he was in persistent debt as a result of this. What happened Mr H said that NewDay lent to him irresponsibly. He wanted it to refund all charges and interest, an... (5 pages)View decision -
Decision Reference DRN1217015
4 Dec 2013 Microcredit Limited Not upheldBanking and creditMr Y complains that Microcredit Limited (trading as MiniCredit.co.uk) should enter into a dialogue about his short term loan. He says he is in financial difficulty and the debt has escalated. background Mr Y borrowed about £120 and agreed to repay about £152.40 four weeks later. The qu... (2 pages)View decision -
Decision Reference DRN0134225
25 Jul 2018 HSBC Bank plc Not upheldBanking and creditC, a limited company, complains it was misled by HSBC Bank Plc about the terms on which it would lend. C is represented by its director, who I’ll refer to as Mr H. Mr H asks that HSBC cancels his personal guarantee and accepts its processes are misleading and unethi... (2 pages)View decision -
Decision Reference DRN7635749
21 Oct 2014 Web Loan Processing Limited UpheldBanking and creditMr Q has complained that Web Loan Processing Limited (trading as Toothfairy Finance) did not treat him sympathetically and positively when he told them he was in financial difficulties.backgroundMr Q had a loan with Toothfairy Finance which he was due to repay in December 2012. He phone... (2 pages)View decision -
Decision Reference DRN4554949
9 Sep 2015 Bank of Scotland Plc Not upheldBanking and creditMs S has an account with Bank of Scotland plc, trading as Halifax. She complains the bank has: cancelled a payment arrangement without notice, applied charges to her account after it had agreed the account should be closed, failed to update her address, and fail... (2 pages)View decision -
Decision Reference DRN0759982
27 Jun 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr K complains that Lloyds TSB Bank Plc pressurised him into taking out borrowing that he couldn’t afford and should not have sold on his accounts to another company.backgroundMr K took out a loan agreement and two credit card accounts with Lloyds TSB some time ago. Mr K did not mai... (1 page)View decision -
Decision Reference DRN0731964
21 Sep 2016 Shop Direct Finance Company Limited Not upheldBanking and creditMr M complains that Shop Direct Finance Company Limited wrongly defaulted his accounts and sold them to a debt collecting agency even though he was making regular repayments.backgroundMr M fell into financial difficulties and explained that he couldn’t meet the minim... (2 pages)View decision -
Decision Reference DRN6098836
29 Jul 2014 HSBC Bank plc UpheldBanking and creditMrs B took out a managed loan in 2006 to consolidate her debts. She agreed to pay £400 a month. In 2009 Mrs B was unable to meet the monthly payments due to financial difficulties. HSBC Bank Plc passed the debt to debt recovery. Mrs B is unhappy that the debt company kept telephoning... (1 page)View decision -
Decision Reference DRN2999079
19 May 2016 Clydesdale Bank Plc UpheldBanking and creditMr L’s a director of a company I’ll call TN. And he’s raised a complaint on its behalf.TN’s complaint is that Clydesdale Bank Plc (“Clydesdale”) hasn’t honoured an agreement it made with it. It also believes Clydesdale made a mistake with the amount it said was o... (2 pages)View decision -
Decision Reference DRN0131777
3 Oct 2014 NewDay Ltd Not upheldPayment protection insurance (PPI)Mr A’s complaint is about the compensation offered to him by NewDay Ltd (NewDay) in respect of a mis-sold payment protection insurance (PPI) policy.background In 2012 Mr A complained to NewDay about the sale of a PPI policy. The policy was sold to him in connection with a credit card.... (2 pages)View decision
