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 DRN5465080
2 Aug 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMiss T owes Lloyds TSB Bank PLC (the bank) a large debt and she complains that the bank has not treated her positively and sympathetically in view of her financial difficulties. She is also unhappy her credit card account has been passed to a debt collection agency. background Our ad... (2 pages)View decision -
Decision Reference DRN-2158927
8 Feb 2021 Home Retail Group Card Services Limited Not upheldConsumer CreditDRN-2158927 The complaint Miss B complains that payments she was making to a store card, she had with Home Retail Group Card Services Limited (trading as Argos Card Services “Argos”), were mishandled. Miss B also says that Argos unfairly referred her account to a debt collection agency. Wh... (3 pages)View decision -
Decision Reference DRN-1908413
3 Jul 2020 Gain Credit LLC UpheldConsumer CreditDRN-1908413 The complaintMr D complains that Gain Credit LLC (trading as Lending Stream) lent to him irresponsibly.What happenedMr D took out a total of four loans with Lending Stream between January and May 2018.Loan no. Date borrowedAmountDate repaid 1 17.01.18£100.0019.01.18 2 28.01.18... (3 pages)View decision -
Decision Reference DRN-2981010
31 Aug 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2981010 The complaint Mr P complains about lending made to him by Barclays Bank UK PLC trading as Barclaycard. He said it made a huge increase in his credit limit, and he could never have afforded to pay this money back. What happened Barclays has recently conducted a review of a numbe... (3 pages)View decision -
Decision Reference DRN3980843
22 Aug 2014 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs Z complain that they were mis-sold a mortgage by an approved representative of Legal & General Partnership Services Ltd (“L&G”).backgroundMr and Mrs Z had a mortgage. With about 18 months of their fixed rate period to go, they received advice from L&G. L&G re... (3 pages)View decision -
Decision Reference DRN0123294
18 Jul 2014 HSBC Bank plc UpheldInvestment and pensionsMr and Mrs D’s complaint concerns the review of multiple term assurance policies which they held with HSBC Bank Plc. They say when approaching HSBC in March 2007 upon the remortgage of their property, they were misadvised regarding the cover they required. backgroundMr and Mrs D sought ... (3 pages)View decision -
Decision Reference DRN8373652
8 Dec 2015 Cabot Financial (Marlin) Limited UpheldBanking and creditMr V complains that Cabot Financial (Marlin) Limited (the business) is chasing him for payment on an account that he has already settled.backgroundMr V says that he settled his account with the original account owner in October 2010. He says his account was migrated t... (2 pages)View decision -
Decision Reference DRN0479623
13 Aug 2018 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr R is unhappy with what The Royal Bank of Scotland Plc (RBS) has done to put things right following his complaint about the sale of payment protection insurance (PPI).backgroundMr R complained about the way RBS sold him PPI alongside four loans. RBS looked at the com... (2 pages)View decision -
Decision Reference DRN-5391802
12 Mar 2025 Link Financial Outsourcing Limited UpheldConsumer CreditDRN-5391802 The complaint Mr A complains Link Financial Outsourcing Limited are unfairly continuing to report a default for a credit card debt. A representative has supported Mr A in bringing this complaint, but for simplicity I’ll just refer to him in this decision. What happened I iss... (3 pages)View decision -
Decision Reference DRN-5141343
12 Nov 2024 Bamboo Limited UpheldConsumer CreditDRN-5141343 The complaint Mr G says Bamboo Limited, trading as Bamboo Loans, irresponsibly lent to him. What happened Mr G took out a loan for £3,000 over 24 months in July 2022. The monthly repayments were £168.16. The total repayable was £4,037.22. Mr G says the loan was unaffordable.... (3 pages)View decision
