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 71521 results
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Decision Reference DRN8615961
10 Sep 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMrs T complains that Lloyds TSB Bank plc acted irresponsibly in providing credit to her which she was unable to afford.The complaint is brought on Mrs T’s behalf by a claims handling company.backgroundThe claims handling company said that Mrs T had been granted a credit card limit of ... (2 pages)View decision -
Decision Reference DRN-2432320
16 Aug 2021 Advantage Finance Ltd Not upheldConsumer CreditDRN-2432320 The complaint Mr J is unhappy about the amount he has left to pay under an agreement with Advantage Finance Ltd after he rejected the car. What happened Mr J bought a used car in July 2020 with the assistance of finance provided by Advantage Finance Ltd. The car was advertised ... (2 pages)View decision -
Decision Reference DRN-3933187
16 Feb 2023 Santander UK Plc UpheldBanking and PaymentsDRN-3933187 The complaint Miss I complains that Santander UK Plc (“Santander”) refused to amend her credit file despite upholding her complaint regarding the service she received when trying to evidence her status as a student and complete a budget planner to agree an arrangement to repay ... (2 pages)View decision -
Decision Reference DRN4917537
23 May 2016 Lloyds Bank PLC UpheldBanking and creditMr and Mrs F have complained that Lloyds Bank PLC has failed to follow the order this service previously made on 14 August 2015. They’ve explained this is causing them serious problems, worry and inconvenience, not least in connection with Mr F’s career.background Mr an... (3 pages)View decision -
Decision Reference DRN0774846
5 Nov 2015 Clear View Finance Limited UpheldBanking and creditMr G complains Clear View Finance Limited didn’t explain how his debt management plan would work or keep him updated. He complains his credit file has been adversely affected.backgroundIn 2012 Mr G says Clear View Finance called offering to help him with his debts. ... (2 pages)View decision -
Decision Reference DRN-3739154
18 Nov 2022 Pepper (UK) Limited Not upheldMortgagesDRN-3739154 The complaint Mr N has said that Pepper (UK) Limited trading as Engage Credit is the assignee of an unregistered security, which was unlawfully transferred from another lender. He said that the debt is uncollectable, and the charge should be removed from the title. Mr N has bee... (3 pages)View decision -
Decision Reference DRN3613969
6 Feb 2020 Uncle Buck Finance LLP UpheldBanking and creditMr C says Uncle Buck Finance LLP irresponsibly lent to him.backgroundUncle Buck gave Mr C four payday loans between June and August 2014. He repaid the first three loans. But loan 4 wasn’t paid and the debt collection agency that took on this loan obtained a court judgement against Mr C.He... (6 pages)View decision -
Decision Reference DRN1772870
22 Feb 2017 NRAM plc Not upheldBanking and creditMr W complains through his solicitor that Landmark Mortgages Limited trading as NRAM misled his solicitor when he redeemed his mortgage. Mr W wants NRAM to remove the outstanding equitable charge.background Mr W sold his property and his solicitor needed to redeem the o... (2 pages)View decision -
Decision Reference DRN8341979
6 Jan 2016 The Mortgage Works (UK) Plc Not upheldBanking and creditMr and Mrs O have complained that The Mortgage Works (UK) Plc (TMW) has refused to credit their mortgage account with a cheque they provided to pay off their mortgage in full. Mr O has conducted the complaint throughout.backgroundMr and Mrs O have a mortgage with TMW. ... (5 pages)View decision -
Decision Reference DRN1948568
22 May 2015 Barclays Bank Plc UpheldBanking and creditMr A complains that Barclays Bank Plc refuses to remove the default it has registered on his account. He complains that this is unfair as he never received the appropriate documents to tell him that Barclays was closing the account never mind to tell him it was g... (3 pages)View decision
