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-3271924
2 Mar 2022 Arrow Global Limited Not upheldConsumer CreditDRN-3271924 The complaint Mr M complains that Arrow and its agents didn’t send him documentation to show it owns a valid debt in his name. Mr M also complains that Arrow closed and default his account. What happened Mr M had a credit card with another business (V) that was sold to Arrow in... (2 pages)View decision -
Decision Reference DRN-3387643
4 May 2022 The Co-operative Bank Plc Not upheldConsumer CreditDRN-3387643 The complaint Mrs S complains that The Co-operative Bank Plc (the Co-op) incorrectly advised her she could have a payment holiday on her loan and then transferred her loan to a debt recovery company. What happened In 2016, Mrs S took a career development loan with the Co-op, re... (2 pages)View decision -
Decision Reference DRN9787041
5 Feb 2018 Bank of Scotland Plc Not upheldBanking and creditMrs H complains on behalf of her son, Mr H. She says the Bank of Scotland plc, trading as Halifax, allowed his overdraft to increase to £11000.background Mr H got into debt while he was a student. His overdraft increased to around £11000 despite his limited inco... (2 pages)View decision -
Decision Reference DRN-5178151
16 Jan 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5178151 The complaint Mr T complains about letters he’s received from Lloyds Bank PLC about his credit card in which he was asked to increase his payments. He’s also unhappy about the amount of interest he’s being charged. What happened Mr T opened a credit card account with Lloyds ... (3 pages)View decision -
Decision Reference DRN0349239
7 Dec 2017 MEM Consumer Finance Limited UpheldBanking and creditMiss P has complained about short-term loans granted to her by MEM Consumer Finance Limited trading as Payday UK (“Payday UK” or “the lender”).background Payday UK agreed six loans for Miss P – three in the period September to December 2007 and three in the period... (2 pages)View decision -
Decision Reference DRN-4253646
3 Aug 2023 Oplo PL Ltd Not upheldConsumer CreditDRN-4253646 The complaint Mr G complains that Oplo PL Ltd trading as Oplo lent to him irresponsibly. What happened In February 2022 Mr G applied for a loan. Oplo approved the application and gave Mr G a loan for £5000 repayable over 60 months. In December 2022 Mr G applied for a second loa... (2 pages)View decision -
Decision Reference DRN-3412255
4 May 2022 The Royal Bank of Scotland Plc Not upheldMortgagesDRN-3412255 The complaint This complaint is about a flexible mortgage Mr and Mrs L hold with The Royal Bank of Scotland Plc (“RBS”). The essence of the complaint is that Mr and Mrs L felt compelled to draw a lump sum from Mrs L’s pension fund as a result of correspondence RBS issued in 201... (2 pages)View decision -
Decision Reference DRN9452419
8 May 2014 Microcredit Limited UpheldBanking and creditMr N has complained about the way Microcredit Limited, trading as MiniCredit.co.uk, responded to his financial difficulty. backgroundMr N took out a loan with MiniCredit for £400 in March 2013. Before the repayment date in May, Mr N told MiniCredit that his wife had lost her job and ... (2 pages)View decision -
Decision Reference DRN2710994
18 Dec 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMiss E complains that an appointed representative of Legal & General Partnership Services Limited (“L&G”) mis-sold her a mortgage.backgroundI issued a provisional decision in this case on 29 October 2015. In that provisional decision, which is attached and forms ... (4 pages)View decision -
Decision Reference DRN0699993
6 Dec 2013 Black Horse Limited UpheldBanking and creditMiss V complains that interest and charges Black Horse Limited added to a loan were unfair.backgroundMiss V bought a used car in October 2004, financed by a five-year fixed-sum loan with Black Horse. She began struggling with repayments in 2005 and fell into arrears. In June 2007 Bla... (2 pages)View decision
