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 DRN9296846
28 Jun 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr J complains that Lloyds TSB Bank Plc did not send him a paying in book when he asked for one and as a result he was unable to make payments to repay his debt which is now the subject of court proceedings. Mr J asks that Lloyds TSB restores his credit files and pays compensatio... (2 pages)View decision -
Decision Reference DRN5436121
9 Mar 2016 Barclays Bank Plc UpheldBanking and creditMiss H complains about the service she received from Barclays Bank Plc (“Barclays”). She says she was experiencing financial difficulty when she visited her local branch for some help about how to cope with her debts. But she says she wasn’t treated positively and symp... (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 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 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 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-3677080
1 Sep 2022 UK Credit Limited Not upheldConsumer CreditDRN-3677080 The complaint Miss F has complained about UK Credit Limited with the help of a claims management company. Miss F complains UK Credit lent to her irresponsibly. What happened In September 2015 Miss F applied for, and was given a guarantor loan for £6,000, which was repayable ove... (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 -
Decision Reference DRN0270980
8 Oct 2019 Barclays Bank UK PLC Not upheldBanking and creditMrs C said that Barclays’ charges are highly disproportionate and have been a key factor in her having to increase her overdraft to pay higher bank charges every month. And that Barclays Bank UK PLC hasn’t supported her to get back on top of her finances. backgroundThis complaint refers to... (2 pages)View decision -
Decision Reference DRN6874065
30 Sep 2013 The Royal Bank of Scotland Plc Not upheldBanking and creditMr E and Mr R complain that The Royal Bank of Scotland plc (RBS) provided poor customer service when their business ceased trading and it has since closed their personal accounts.background Mr E and Mr R’s former limited company ceased to trade in early 2012 and there was an outstanding ... (2 pages)View decision
