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 71923 results
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Decision Reference DRN3992772
16 Apr 2015 MKDP LLP Not upheldBanking and creditMr K complains that MKDP LLP cannot prove he owes it any money but it will not remove the default on his credit file.backgroundMKDP purchased Mr K’s credit card debt from the original lender. Since bringing his complaint to this service, we have been able to provid... (1 page)View decision -
Decision Reference DRN-2900104
27 Aug 2021 Progressive Money Limited UpheldConsumer CreditDRN-2900104 The complaint Mr B has complained that Progressive Money Limited (“Progressive Money”) lent to him irresponsibly. What happened Mr B was given two loans by Progressive Money. The details of these loans are given below: Loan Date taken Date repaid instalments amount Repayments 1... (4 pages)View decision -
Decision Reference DRN-4184273
20 Jul 2023 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4184273 The complaint Mr D complains that The Royal Bank of Scotland Plc (RBS) unfairly added a late payment marker to his credit file. What happened RBS decided to close Mr D’s current account in November 2022. It sent a letter to his last recorded address to say he had an outstanding... (3 pages)View decision -
Decision Reference DRN-5610570
19 Jun 2025 Santander UK Plc UpheldMortgagesDRN-5610570 The complaint Mr and Mrs S complain that Santander UK PLC failed to comply with the terms of the Debt Respite Scheme (Breathing Space Moratorium and Mental Health Crisis Moratorium) (England and Wales) Regulations 2020 for the following reasons: 1. Santander didn’t apply to... (7 pages)View decision -
Decision Reference DRN-3266142
21 Dec 2022 Oxford Capital Partners LLP Not upheldInvestmentsDRN-3266142 The complaint Mr D complains that Oxford Capital Partners LLP (“Oxford Capital”) gave misleading information about an Infrastructure Enterprise Investment Scheme (“IEIS”) and raises concern about management of the investment. What happened In March 2015, Mr D invested £100,000 ... (5 pages)View decision -
Decision Reference DRN2541761
25 Oct 2019 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mrs M doesn’t think it’s fair for The Royal Bank of Scotland Plc (“RBS”) to use some of her payment protection insurance (“PPI”) compensation to reduce a debt from which she was discharged when her protected trust deed came to an end.backgroundIn 2018 RBS wrote to Mrs M offering to repay s... (3 pages)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 DRN-3585511
21 Jul 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3585511 The complaint Mrs K has complained AvantCredit of UK, LLC (AvantCredit) didn’t carry out affordability checks before it provided her with two loans. What happened In total, Mrs K was granted three loans from AvantCredit, however, this decision only focuses on loans one and two.... (5 pages)View decision -
Decision Reference DRN7998322
20 Jun 2019 Amigo Loans Ltd Not upheldBanking and creditMr E complains that Amigo Loans Ltd irresponsibly gave him a loan and two further top-up loans. background In July 2014, Amigo approved a £5,000 loan application for Mr E repayable over two years. Two top-up loans were also later approved. One for £5,000 in August 20... (12 pages)View decision -
Decision Reference DRN-3194335
3 Dec 2021 Everyday Lending Limited UpheldConsumer CreditDRN-3194335 The complaint Mrs D says Everyday Lending Limited (ELL), trading as Everyday Loans, lent to her irresponsibly. What happened Mrs D took out a 24-month instalment loan for £3,000 from ELL on 5 March 2019. The monthly repayment was £212.97 and the total repayable was £5,111.28. I... (3 pages)View decision
