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 DRN9481708
5 Feb 2020 The Co-operative Bank Plc Not upheldBanking and creditMr B complains about the way The Co-operative Bank Plc (“Co-op”) handled his overdrawn current account.backgroundMr B had a current account with no overdraft. But in mid 2017 he went overdrawn and for the next eight months, his debt increased because of service charges and interest. In lat... (3 pages)View decision -
Decision Reference DRN1071226
23 Jun 2017 WDFC UK Limited Not upheldBanking and creditMr M complains that WDFC UK Limited (trading as Wonga) wrongly recorded a default on his credit file. He asks that the default is removed.backgroundMr M took out a loan with Wonga in mid 2013. He was unable to repay the loan when it was due in July 2013. Wonga... (2 pages)View decision -
Decision Reference DRN0086820
31 Jan 2017 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr H’s complaint is that The Royal Bank of Scotland Plc (“RBS”) mis-sold him payment protection insurance (“PPI”) with a series of two loans.backgroundRBS upheld Mr H’s complaint and made him an offer which was worked out following the same way we would tell RBS to... (2 pages)View decision -
Decision Reference DRN0748717
5 Sep 2017 Arrow Global Limited UpheldBanking and creditMr L’s complaint is that Arrow Global Limited incorrectly chased him for repayment of a debt. Mr L is represented in bringing this complaint by his wife, Mrs L. But for ease I’ll refer to her actions and comments as being those of Mr L.background Mr L got in touch... (2 pages)View decision -
Decision Reference DRN2831193
15 Aug 2017 The Royal Bank of Scotland Plc UpheldBanking and creditMr R is unhappy The Royal Bank of Scotland Plc can’t provide a copy of a default notice it issued against him.background Mr R says RBS issued a default notice against him in 2012. But he never received it. And the bank can’t give him a copy. He believes there may be... (2 pages)View decision -
Decision Reference DRN7452581
15 Dec 2017 Barclays Bank Plc Not upheldBanking and creditMr and Mrs M complain that Barclays Bank Plc hasn’t acted fairly or reasonably in relation to the current account attached to their mortgage. They want compensation and to agree a repayment plan.backgroundMr and Mrs M took out a flexible mortgage, which had a current a... (2 pages)View decision -
Decision Reference DRN4593771
3 Mar 2021 Madison CF UK Limited UpheldBanking and creditThe complaint Mr G complained that Madison CF UK Limited (trading as 118 118 Money) lent to him irresponsibly. What happened Mr G took out a single loan from 118 118 Money in April 2018. He borrowed £1,000 and the total cost of the credit he agreed to repay worked out, with interest, at £2... (4 pages)View decision -
Decision Reference DRN-2711650
24 Mar 2021 Capquest Debt Recovery Limited UpheldConsumer CreditDRN-2711650 The complaint Mr E complains about Capquest Debt Recovery Limited’s actions when seeking to recover a debt. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. In my provisional decision, I said: In 2006 Mr E’s ... (4 pages)View decision -
Decision Reference DRN-3174985
19 Dec 2021 Nationwide Building Society Not upheldMortgagesDRN-3174985 The complaint Mrs U has complained about her mortgage that she holds with Nationwide Building Society. Her complaint falls into two broad areas, namely she’s unhappy that: Nationwide wouldn’t offer her any further concessions on her mortgage, and Nationwide wouldn’t lend her ... (5 pages)View decision -
Decision Reference DRN-5237459
6 Jan 2025 Everyday Lending Limited UpheldConsumer CreditDRN-5237459 The complaint Mr S complains that Everyday Lending Limited trading as Everyday Loans lent irresponsibly when it approved a loan application he made. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: Mr... (5 pages)View decision
