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 71745 results
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Decision Reference DRN4781705
27 Jan 2020 Advanced Payment Solutions Limited UpheldBanking and creditMr R complains that Advanced Payment Solutions Limited (“APSL”) didn’t close his account when he asked it to and he’s unhappy with the service he’s received from APSL.backgroundMr R says he opened a current account with APSL (account ending ****0432) and at the same time took out an additi... (3 pages)View decision -
Decision Reference DRN1914144
10 Jul 2017 Kapama Limited UpheldBanking and creditMr J complains that Kapama Limited has unfairly applied a default to his credit file and applied extortionate charges to his account. backgroundMr J took out several payday loans with a payday loan company, (“P”), in 2011. He was unable to pay the last loan of £150 (inc... (2 pages)View decision -
Decision Reference DRN1258170
12 Feb 2020 NCO Europe Limited Not upheldBanking and creditMrs M complains that NCO Europe Limited (NCO) have registered her account in default in2015 when they should have registered it in 2012. She wants them to change the defaultdate on credit reference agency records.backgroundI recently issued my provisional conclusions setting out the events... (3 pages)View decision -
Decision Reference DRN0409922
12 May 2020 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs S have complained that mortgage advice they was given in September 2005 by a representative of Legal & General Partnership Services Limited (L&G) was unsuitable. They are asking for financial compensation.backgroundIn September 2005 Mr and Mrs S were given mortgage advic... (3 pages)View decision -
Decision Reference DRN-4320686
13 Oct 2023 Fairscore Ltd Not upheldConsumer CreditDRN-4320686 The complaint Miss B complains that Fairscore Ltd trading as Updraft (‘Updraft’) irresponsibly gave her a loan that she couldn’t afford on 19 October 2021. What happened In 2021, Miss B applied for a loan with Updraft. The loan amount was £4,500 and the monthly repayment was £1... (2 pages)View decision -
Decision Reference DRN-4242837
14 Jul 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4242837 The complaint Mr B, through a representative, says Everyday Lending Limited (ELL), trading as Everyday Loans, irresponsibly lent to him. What happened Mr B took out three instalment loans from ELL. A summary of his borrowing follows. loan taken out value, £ term in months month... (3 pages)View decision -
Decision Reference DRN8351689
10 Feb 2014 Santander UK Plc Not upheldBanking and creditMr W complains that Santander UK plc is unfairly asking him to repay a debt under a personal guarantee that he says should have been cancelled some time ago. Mr W wants the bank to release him from any responsibility for the debt and pay him compensation for the way it has handled the com... (2 pages)View decision -
Decision Reference DRN7662617
3 May 2019 Vanquis Bank Limited Not upheldBanking and creditMr I complains that Vanquis Bank Limited sold his outstanding balance to a debt collection agency.backgroundFrom July 2014 until June 2016, Mr I had his credit card account with Vanquis frozen under a repayment option plan (ROP). On 10 March 2016, Vanquis wrote to Mr I... (3 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 DRN0160189
24 May 2013 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)Mr F’s complaint concerns two payment protection insurance (PPI) policies sold to him at the same time as two credit cards in 1991 and 1994. Mr F says that National Westminster Bank Plc mis-sold the policies.backgroundFollowing the involvement of this service NatWest agreed to uphold ... (2 pages)View decision
