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 DRN6254963
8 Jul 2015 Haydon Associates Debt Management Consultants Ltd UpheldBanking and creditMr S has complained that Haydon Associates Debt Management Consultants Ltd failed to administer his debt reduction plan properly.background Mr S entered into a debt management plan with Haydon Associates. However, he became aware that it was passing on little or none o... (1 page)View decision -
Decision Reference DRN-2952185
30 Jul 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2952185 The complaint Mr J complained about lending made to him by NewDay Ltd. He said he already had a considerable amount of unsecured debt when NewDay lent him this money, and he thought this lending was irresponsible. What happened Mr J said he applied for a credit card with NewDa... (3 pages)View decision -
Decision Reference DRN-1678266
23 Jun 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-1678266The complaintMs S complains that National Westminster Bank Plc (“NatWest”) contacted her about an account she wasn’t aware of. What happenedMs S contacted this service and said she’d received a letter from NatWest’s Debt Management department about an account she knew nothing ab... (3 pages)View decision -
Decision Reference DRN-4369443
9 Oct 2023 Lowell Financial Ltd Not upheldConsumer CreditDRN-4369443 The complaint Mr G complains about contact from Lowell Financial Ltd in relation to a debt that was included in his bankruptcy. Mr G also complains that Lowell declined a request to delete his personal information. What happened Mr G had a credit card that was closed at defaul... (2 pages)View decision -
Decision Reference DRN-5159167
17 Jan 2025 Fairscore Ltd Not upheldConsumer CreditDRN-5159167 The complaint Mr B complaints through a representative that Fairscore Ltd trading as Updraft (“Updraft”) failed to carry out a proportionate affordability assessment before it lent to him. What happened Mr B took out a personal loan from Updraft for £4,000 to be repaid over ... (3 pages)View decision -
Decision Reference DRN9343728
16 Apr 2015 Bank of Scotland Plc Not upheldBanking and creditUnder the rules of the Financial Ombudsman Service, I am required to ask Mr and Mrs P either to accept or reject my decision before 18 May 2015. Ruth Lewis ombudsman at the Financial Ombudsman ServicecomplaintMr and Mrs P are unhappy Bank of Scotland plc (trading as Halifax) all... (2 pages)View decision -
Decision Reference DRN0326144
24 Apr 2020 Banque PSA Finance Not upheldBanking and creditMr F disputes the end of lease charges that PSA Finance UK Limited (“PSA”) applied when he returned a car he had been financing through them. He says their pursuit of the debt has damaged his credit rating and has been unreasonable.backgroundMr F took receipt of a new car in July 2009. He ... (2 pages)View decision -
Decision Reference DRN1195263
13 Jun 2018 MBNA Limited Not upheldBanking and creditMr C complains that MBNA Limited defaulted his credit card account later than it should’ve done.backgroundMr C told us that he got into financial difficulties in the summer of 2011, due to a period of ill health. He said that he entered into a debt management plan ... (2 pages)View decision -
Decision Reference DRN0239339
20 Jan 2016 TSB Bank plc UpheldBanking and creditMr S complains that TSB Bank Plc defaulted his account after it agreed a formal repaymentplan. He wants TSB to agree repayment of the balance and remove the default.backgroundMr S switched current account but his new bank wouldn’t honour his existing overdraft. TSB... (3 pages)View decision -
Decision Reference DRN-4237658
18 Jul 2023 Oplo PL Ltd Not upheldConsumer CreditDRN-4237658 The complaint Miss M complains that Oplo PL Ltd lent to her irresponsibly. What happened In March 2020 Miss M applied for a loan with Oplo. Oplo approved the application and gave Miss M a loan for £10,000 repayable over 30 months with a monthly repayment of £471.34. Miss M comp... (3 pages)View decision
