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 DRN1710618
4 Mar 2015 HSBC Bank plc UpheldPayment protection insurance (PPI)Mrs A’s complaint is about the compensation offered to her by HSBC Bank Plc (HSBC) for two mis-sold payment protection insurance (PPI) policies. Mrs A signed a settlement form to accept £15,204.01 as compensation for the mis-sold policies. Mrs A says HSBC has declared the offer void, has ... (8 pages)View decision -
Decision Reference DRN-2956794
20 Sep 2021 Oplo PL Ltd UpheldConsumer CreditDRN-2956794 The complaint Mr T has complained that Oplo PL Ltd (trading as “1st Stop”) lent to him irresponsibly. What happened 1st Stop provided Mr T with a personal loan of £5,000.00 in July 2016. This loan had a 40- month term with a monthly repayment amount of £180.07. This all meant ... (5 pages)View decision -
Decision Reference DRN4933638
13 Feb 2015 Lloyds Bank PLC Not upheldBanking and creditMiss R complains that Lloyds Bank PLC did not give her good advice when she took out a loan to consolidate existing debt. She complains, in summary, that she wasn’t told that she would pay an early repayment fee on her existing loan, and that the new loan was at a much higher rate of... (2 pages)View decision -
Decision Reference DRN8076763
9 Jan 2015 Creation Consumer Finance Ltd UpheldBanking and creditMr L has complained that when he raised a concern about his loan agreement with Creation Consumer Finance Ltd, it did not address it as quickly as it should have done.backgroundMr L took out a loan with Creation. When the first repayment was debited from his account he did not reco... (1 page)View decision -
Decision Reference DRN2107184
17 Jul 2014 The Royal Bank of Scotland Plc UpheldBanking and creditMr R complains that The Royal Bank of Scotland plc (RBS) is holding him liable under a personal guarantee for the debts of a limited company.backgroundMr R was one of three directors of a limited company which banked with RBS. In 2007, he gave RBS a guarantee in respect of the company’s... (2 pages)View decision -
Decision Reference DRN3700004
19 Jul 2018 TSB Bank plc Not upheldBanking and creditMr R complains that TSB Bank plc closed his bank account without explanation and asked him to repay his overdraft in full. He’s also unhappy that TSB recorded a default on his credit file. Mr R says TSB didn’t tell him about the default.backgroundMr R had a current ... (3 pages)View decision -
Decision Reference DRN-3735674
7 Oct 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3735674 The complaint Mr G complains that Barclaycard (Barclaycard) defaulted his account. What happened Mr G had a credit card from Barclaycard. He suffered an accident and a brain trauma, and subsequently was affected by depression and anxiety. In April 2020, his Barclaycard account ... (4 pages)View decision -
Decision Reference DRN0409673
20 Aug 2018 Lowell Portfolio I Ltd Not upheldBanking and creditMr J complains that Lowell Portfolio I Ltd has obtained a County Court Judgment (CCJ) against him and has unfairly appointed agents to recover a debt that he doesn’t owe.backgroundMr J had an account with a lender that was purchased by Lowell in 2015 after he fell ... (2 pages)View decision -
Decision Reference DRN6422064
30 May 2017 Paragon Finance Plc Not upheldBanking and creditMr H is unhappy that Paragon Finance PLC has asked him for a bank statement to show his income and expenditure.backgroundMr H has an outstanding debt with Paragon, as in June 2015 it bought a credit card debt he had with another company. He was in financial difficulties... (2 pages)View decision -
Decision Reference DRN7714222
31 Oct 2014 Lloyds Bank PLC Not upheldBanking and creditMr G complains about Lloyds Bank plc’s handling of his current and credit card accounts, as well as about its treatment of him and his son. background Mr G says he intended to repay the debts on his Lloyds accounts when he sold his house several years ago. That didn’t happen, and Mr G ... (2 pages)View decision
