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 DRN7860739
2 May 2018 Barclays Bank Plc Not upheldBanking and creditMr L complains that Barclays Bank Plc asked him to repay a debt which he settled with them in 2007.background In 2007, Mr L and Barclays reached an agreement over a credit card debt he had with them. The agreement meant Mr L would pay the majority of the balance an... (2 pages)View decision -
Decision Reference DRN-3607847
30 Aug 2022 Five Lamps Trading Ltd UpheldConsumer CreditDRN-3607847 The complaint Mr H complains that Five Lamps Trading Ltd (“Five Lamps”) irresponsibly granted him credit that he couldn’t afford to repay. What happened Five Lamps provided Mr H with three fixed sum loans in 2020. They were all to be repaid over a 12 month period and the detail... (3 pages)View decision -
Decision Reference DRN-1983942
21 Oct 2020 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-1983942 The complaint Miss F complains that Mercedes-Benz Financial Services UK Limited (“MBFS”) continued to pursue her for a debt when a payment plan had been agreed. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instea... (2 pages)View decision -
Decision Reference DRN-4618219
7 May 2024 HSBC UK Bank Plc Not upheldConsumer CreditDRN-4618219 The complaint Miss S is unhappy her application for a personal loan was declined and how this was handled by HSBC UK Bank Plc. What happened Miss S applied for a personal loan for £25,000 to consolidate her debts with HSBC and other lenders. HSBC declined the application and in... (2 pages)View decision -
Decision Reference DRN-3939971
14 Mar 2023 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3939971 The complaint Ms A, through her representative, complains that AvantCredit of UK, LLC, lent to her before carrying out the proper checks and so it lent to her irresponsibly. What happened Ms A was approved for one loan in June 2016. The loan was to be for debt consolidation and... (5 pages)View decision -
Decision Reference DRN9236940
28 Apr 2016 Legal & General Partnership Services Limited Not upheldBanking and creditMrs D, who is represented by a solicitors’ firm, complains that Legal and General Partnership Services Limited (“Legal & General”) mis-sold her a mortgage.backgroundI issued a provisional decision in this case on 11 March 2016. In that provisional decision, which is att... (4 pages)View decision -
Decision Reference DRN8595215
13 Feb 2019 Pentagon (UK) Limited Not upheldBanking and creditMrs B complains that Pentagon (UK) Limited is looking to terminate her debt management plan (DMP) because she doesn’t accept its advice regarding bankruptcy. She also says that had she been told to declare herself bankrupt years ago she would be in a better position ... (3 pages)View decision -
Decision Reference DRN-5391885
12 Mar 2025 Coventry Building Society UpheldMortgagesDRN-5391885 The complaint Miss G complains that Coventry Building Society (‘CBS’) has been pursuing her for repayment of the mortgage debt despite being aware she was previously made bankrupt. She is also unhappy it has been sending her letters which are addressed jointly to her and her... (4 pages)View decision -
Decision Reference DRN5152086
2 Apr 2014 Debt In Control Limited UpheldBanking and creditMr L complains that Debt In Control Limited, trading as Clear View Finance (“DICL”) provided him with inaccurate information about the duration of his debt management plan on two occasions before he entered into a contract with it.backgroundMr L was cold called by DICL in February 20... (3 pages)View decision -
Decision Reference DRN-5499343
24 Apr 2025 Monzo Bank Ltd UpheldConsumer CreditDRN-5499343 The complaint Mr E complains that Monzo Bank Ltd irresponsibly lent him two personal loans. What happened Mr E took out a personal loan with Monzo in August 2022, borrowing £7,000 over a term of 60 months. The interest rate was 19.5% APR, giving a monthly payment of £176.73.... (5 pages)View decision
