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 DRN2799843
21 Mar 2019 Lloyds Bank PLC Not upheldBanking and creditMr V, a director of a limited company (“the company”), has complained that Lloyds Bank PLC’s decision to appoint a Law of Property Act Receiver (“LPAR”) in July 2017 was too hasty. As a result, Mr V says the company sustained losses, as well as having to pay the LP... (3 pages)View decision -
Decision Reference DRN-5185080
20 Dec 2024 Lendable Ltd Not upheldConsumer CreditDRN-5185080 Complaint Miss M has complained about a loan Lendable Ltd (“Lendable”) provided to her. She says that the loan was unaffordable given her circumstances at the time. Background Lendable provided Miss M with a loan for £4,500.00 in January 2019. It had an APR of 22.1% and a 2... (3 pages)View decision -
Decision Reference DRN-2951896
1 Aug 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2951896 The complaint Ms C complains that Barclays Bank UK PLC trading as Barclaycard (“Barclaycard”) registered two defaults on her credit file without informing her in writing. She feels the defaults have been applied unfairly as her account has never been in arrears for three months... (7 pages)View decision -
Decision Reference DRN-3605511
25 Jul 2022 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3605511 The complaint Mrs C complains that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) lent to her irresponsibly and didn’t help her when she was in financial difficulty. What happened Mrs C applied online for a credit card in July 2016 – she asked for a balance transfer o... (5 pages)View decision -
Decision Reference DRN3058149
13 May 2020 FirstRand Bank Limited Not upheldBanking and creditMr O complains about the way that FirstRand Bank Limited, trading as MotoNovo Finance, has dealt with his account.backgroundA used car was supplied to Mr O under a hire purchase agreement with MotoNovo Finance that he signed in December 2014. He complained to this service about some issues... (3 pages)View decision -
Decision Reference DRN-3068155
7 Oct 2021 Oodle Financial Services Limited Not upheldConsumer CreditDRN-3068155 The complaint Mr F is unhappy with how Oodle Financial Services Limited dealt with his request for assistance as a result of the Coronavirus (Covid-19) pandemic. What happened On 24 September 2019, Mr F was supplied with a used car through a hire purchase agreement with Oodle. ... (3 pages)View decision -
Decision Reference DRN-3768288
16 Nov 2022 National Westminster Bank Plc Not upheldInsuranceDRN-3768288 The complaint Mr U has complained about the way that National Westminster Bank Plc (NatWest) resolved the mis-sale of his payment protection insurance (PPI) policy. What happened In 2013, NatWest wrote off Mr U’s loan, choosing not to chase him anymore for the outstanding balan... (2 pages)View decision -
Decision Reference DRN4044191
2 Dec 2019 Bank of Scotland Plc Not upheldBanking and creditMr S complains about the failure of Bank of Scotland plc trading as Halifax to provide information to him about the repossession of his property in 2010. Mr S wants Halifax to provide it.backgroundMr S bought a property in 2006 for £285,000. It was repossessed and sold in November 2010 for... (2 pages)View decision -
Decision Reference DRN-2599449
17 Mar 2021 Hoist Finance UK Limited Not upheldConsumer CreditDRN-2599449 The complaint Mr A complains that Hoist Finance UK Limited’s agents refuse to accept a settlement for a debt. What happened Hoist acquired a debt in Mr A’s name from a credit card provider. Mr A has raised concerns about the amount of money the original lender said he owed when... (2 pages)View decision -
Decision Reference DRN-2901209
30 Jun 2021 Capital One (Europe) plc UpheldBanking and PaymentsDRN-2901209 The complaint Mr T thinks Capital One (Europe) plc acted irresponsibly by approving two credit cards he couldn’t afford and by increasing the credit limit on one of them. What happened Capital One approved the first of Mr T’s credit cards in October 2016 (account one) and set ... (7 pages)View decision