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 DRN-3259604
2 Feb 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3259604 The complaint Miss R complains that Bank of Scotland plc trading as Halifax (Halifax) lent to her irresponsibly. What happened In January 2016, Miss R applied for a credit card from Halifax. It was agreed with a limit of £750. Further increases were agreed as follows: Date Lim... (3 pages)View decision -
Decision Reference DRN4779113
12 Apr 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr C complains that the bank passed his account to several different collection agents without telling him. He says this has led to confusion over the amount he owes and has caused him much stress. He also complains that the bank should never have agreed an overdraft facility. He wants the... (2 pages)View decision -
Decision Reference DRN-4388087
6 Nov 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4388087 The complaint Miss C complains that NewDay Ltd (NewDay) lent to her irresponsibly. What happened Miss C had two credit cards from NewDay, an Aqua card and a Marbles card. The Aqua card was opened in November 2015; the Aqua card was opened in December 2017. Limit increases were ... (5 pages)View decision -
Decision Reference DRN2314161
2 Sep 2016 Canada Square Operations Limited Not upheldBanking and creditMr B complains Canada Square Operations Limited (formerly known as Egg Banking PLC) wrongly calculated his outstanding debt before selling it on to a third party.backgroundMr B took a loan with Egg Banking in August 2003. His account was defaulted in April 2005. Mr B ... (2 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 -
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 DRN8350571
7 Dec 2015 Mortgages 4 U (North West) Limited Not upheldBanking and creditMiss B and Mr H complain that Mortgages 4 U (North West) Limited didn’t advise them properly when they re-mortgaged their property. And they want compensation for their losses and a refund of fees and interest.backgroundIn 2006 Miss B and Mr H wanted to re-mortgage t... (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 DRN1226761
24 Feb 2015 National Westminster Bank Plc Not upheldBanking and creditMr H complains that National Westminster Bank Plc ignored his letters seeking to arrange a repayment plan and defaulted his account and passed the debt to a third party. background Mr H has a loan with NatWest and in 2009 he encountered financial difficulties. He wrote to the bank to ... (2 pages)View decision -
Decision Reference DRN8132203
12 Mar 2015 C M C Chesterfield Limited UpheldInsurance (excluding PPI)Mr B has complained about the sale by C M C Chesterfield Limited (“CMC”) of a GuaranteedAsset Protection (“GAP”) insurance policy. He bought the policy in 2005 when he took out a loan to buy a motorcycle. He’s said he was told that the policy would clear anything he still owed if his mo... (2 pages)View decision
