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 71523 results
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Decision Reference DRN0515009
22 Jul 2015 Firstplus Financial Group Plc UpheldBanking and creditMr and Mrs L complain that Firstplus Financial Group Plc (Firstplus) mis-sold them a loan that runs past Mr L’s retirement age. They say Firstplus didn’t explain the impact of this at the time and now they have a debt that they won’t be able to afford to repay – wh... (3 pages)View decision -
Decision Reference DRN3198886
16 Sep 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr G and Mr H complain about the way that The Royal Bank of Scotland plc has dealt with their partnership’s banking arrangements. In particular, they complain that fees were incorrectly added to the debt, that the interest rate charged by the bank was increased and that the bank sought r... (2 pages)View decision -
Decision Reference DRN-3992039
17 Apr 2023 Retail Money Market Ltd Not upheldConsumer CreditDRN-3992039 The complaint Miss J complains about the response she received from Retail Money Market Ltd trading as RateSetter (“RateSetter”) when she told it that two finance agreements she took out were unaffordable. What happened In June 2017 Miss J entered into a finance agreement with ... (6 pages)View decision -
Decision Reference DRN-4555601
12 Jan 2024 Everyday Lending Limited Not upheldConsumer CreditDRN-4555601 The complaint Mr M complains that Everyday Lending Limited trading as Everyday Loans irresponsibly gave him a loan that he couldn’t afford. For simplicity I will refer to the business as ‘Everyday’ during this decision. Mr M is represented in this complaint. For simplicity I wi... (3 pages)View decision -
Decision Reference DRN4338099
20 May 2016 Shop Direct Finance Company Limited UpheldPayment protection insurance (PPI)Miss G has complained about the way Shop Direct Finance Company Limited (“Shop Direct”) has used the compensation it agreed to pay following a complaint about the mis-sale of a payment protection insurance (“PPI”) policy.backgroundMiss G had a catalogue shopping account... (2 pages)View decision -
Decision Reference DRN2314161
2 Sep 2016 Canada Square Operations Limited Not upheldBanking and creditMr B complains Canada Square Operations Limited (formerly known as Egg Banking PLC) wrongly calculated his outstanding debt before selling it on to a third party.backgroundMr B took a loan with Egg Banking in August 2003. His account was defaulted in April 2005. Mr B ... (2 pages)View decision -
Decision Reference DRN-4687097
15 Mar 2024 Sabre Insurance Company Limited UpheldInsuranceDRN-4687097 The complaint Mr D has complained about his motor insurer Sabre Insurance Limited, regarding an increased policy premium and his policy being cancelled, with further charges applied. What happened Mr D thought he may have had an incident. So he updated Sabre but didn’t make a c... (3 pages)View decision -
Decision Reference DRN-4865564
27 Jun 2024 Somerset Bridge Insurance Services Limited UpheldInsuranceDRN-4865564 The complaint Mrs S has complained about the amount Somerset Bridge Insurance Services Limited charged when it cancelled her car insurance policy. Somerset Bridge was operating under one of its trading names when it did this, but I have referred to Somerset Bridge in this decis... (3 pages)View decision -
Decision Reference DRN2846732
31 Mar 2020 Everyday Lending Limited UpheldBanking and creditMr B thinks Everyday Lending Limited (trading as Everyday Loans) acted irresponsibly by lending him money in May 2011.backgroundIn May 2011, Everyday Lending lent Mr B £1,500. Mr B agreed to repay this amount, with interest, over 24 months. The monthly loan repayment was £99.33, and if Mr ... (4 pages)View decision -
Decision Reference DRN5900487
25 Jun 2020 Gain Credit LLC UpheldBanking and creditMr R says Gain Credit LLC irresponsibly lent to him.backgroundThis complaint is about 5 instalment loans, which Gain Credit provided to Mr R between 3/5/2017 and 2/11/2017:LoanDateTakenDateRepaidInstalmentsAmount (£)Highest payment (including overlapping loans)103/05/201725/10/20176600... (4 pages)View decision
