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 DRN4065221
1 Aug 2017 Lloyds Bank PLC Not upheldBanking and creditMr I’s unhappy Lloyds Bank PLC didn’t reduce the amount he owed to £950.00 in April 2015. He says Lloyds agreed to this and although he tried to raise this afterwards, Lloyds didn’t properly deal with his concerns. He’s also had a number of problems with Lloyds ... (2 pages)View decision -
Decision Reference DRN-3462266
19 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3462266 The complaint Ms K complains that Everyday Lending Limited (Everyday) lent her money on a high cost loan which she was unable to afford to repay. What happened Ms K was provided with a loan for £2,000 on 2 September 2015, repayable at the rate of about £183 a month over 24 mont... (4 pages)View decision -
Decision Reference DRN-4811482
26 Jun 2024 Vodafone Limited UpheldConsumer CreditDRN-4811482 The complaint Mr S has complained that Vodafone Limited acted irresponsibly when it provided him with multiple credit agreements between 2021 and 2023. Background Between late 2021 and 2023 Mr S applied for 25 different device plans from Vodafone. In each instance he was approv... (4 pages)View decision -
Decision Reference DRN5341571
26 May 2015 Lloyds Bank PLC Not upheldBanking and creditMr T complains about the sale of his packaged bank account by Lloyds Bank plc.backgroundOur adjudicator rejected this complaint. She felt that Mr T probably agreed to upgrade his account willingly. He did this three times; and also used some of its benefits, eg, th... (2 pages)View decision -
Decision Reference DRN6162873
23 May 2013 Bank of Scotland Plc UpheldBanking and creditMiss R complains that Bank of Scotland Plc (trading as Halifax) proceeded with debt recovery action after telling her – in response to her financial difficulty – that she did not need to make any payments.backgroundWhen Halifax cancelled Miss R’s overdraft facility, it agreed a repayment... (2 pages)View decision -
Decision Reference DRN-3501625
8 Sep 2022 MBNA Limited Not upheldBanking and PaymentsDRN-3501625 The complaint Ms M complains that MBNA Limited (“MBNA”) recorded missed payments and a default on her credit file despite her maintaining payments under a debt management plan. What happened Ms M opened a credit card account with MBNA in or around October 2016. Due to changes i... (3 pages)View decision -
Decision Reference DRN8354302
20 Jan 2020 Lloyds Bank PLC UpheldBanking and creditMrs L makes a number of complaints about how Lloyds Bank Plc dealt with her credit card account.backgroundMrs L says she received a letter from Lloyds in July 2018 telling her that her credit card minimum repayment amount would increase to 2.5% from 1%. She says she spoke to Lloyds in Sept... (3 pages)View decision -
Decision Reference DRN6994613
8 Oct 2019 Capital One (Europe) plc UpheldBanking and creditMrs F complains about Capital One (Europe) Plc (“Capital One”) over its handling of apayment protection insurance refund. Capital One paid Mrs F her PPI compensation twice in error and when the error was corrected this left Mrs F in significant debt. She wants this debt to be reduced or wr... (3 pages)View decision -
Decision Reference DRN3850411
18 Jun 2015 TSB Bank plc Not upheldBanking and creditMr S complains that TSB Bank plc have wrongly defaulted his credit card account.backgroundMr S has a TSB credit card account. He lost his job in February 2014. Mr S told TSB this in April 2014. It agreed that he could temporarily reduce his payments to £20. TS... (2 pages)View decision -
Decision Reference DRN-4618219
7 May 2024 HSBC UK Bank Plc Not upheldConsumer CreditDRN-4618219 The complaint Miss S is unhappy her application for a personal loan was declined and how this was handled by HSBC UK Bank Plc. What happened Miss S applied for a personal loan for £25,000 to consolidate her debts with HSBC and other lenders. HSBC declined the application and in... (2 pages)View decision
