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-3597688
22 Jul 2022 UK Credit Limited Not upheldConsumer CreditDRN-3597688 The complaint Ms C complained that UK Credit Limited irresponsibly provided her with an unaffordable loan. What happened UK Credit provided Ms C with a loan as follows: Date Loan amount Term (months) Monthly repayment Loan status September 2015 £5,000.00 48 £187.67 PAID The loa... (5 pages)View decision -
Decision Reference DRN6287662
15 Jun 2016 NCO Europe Limited Not upheldBanking and creditMr C complains about the way NCO Europe Limited has treated him. He says it:-didn’t respond to his requests for his debt to be written off;- didn’t acknowledge or deal with his complaint; instead it passed the complaint to the company it was collecting the debt f... (2 pages)View decision -
Decision Reference DRN-5127011
5 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5127011 The complaint Miss B complains that NewDay Ltd was irresponsible to open three credit accounts for her and to later increase the credit limits. Miss B has brought her complaint via a representative but I will refer to her throughout for simplicity. What happened NewDay Ltd... (6 pages)View decision -
Decision Reference DRN-4954983
23 Aug 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4954983 The complaint Ms G complains that Zopa Bank Limited irresponsibly lent to her. What happened Ms G was approved for a Zopa personal loan in April 2023 for £25,000. She was approved for another Zopa personal loan in November 2023 for £10,000. Ms G says Zopa irresponsibly lent ... (3 pages)View decision -
Decision Reference DRN1864223
21 Nov 2014 1st Credit Limited Not upheldBanking and creditMr W complains that 1st Credit Limited is pursuing him for payment of an alleged debt. He also complains that 1st Credit has declined to supply him with a copy of the deed of assignment, relating to the transfer of the alleged debt to it from the original lender.backgroundMr W said that... (2 pages)View decision -
Decision Reference DRN6816552
20 May 2014 HSBC Bank plc Not upheldBanking and creditMr U, a director of a company, T, complains that HSBC Bank plc wrongly closed the company’s account without giving the required two months’ notice. As that closure prevented the company from continuing to trade, he wants the bank to agree that it cannot require repayment of the outstan... (2 pages)View decision -
Decision Reference DRN5915901
8 Jan 2020 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Miss S complains that it’s unfair for The Royal Bank of Scotland Plc (RBS) to use her payment protection insurance (PPI) compensation to reduce the debt from which she was discharged when her protected trust deed came to an end rather than paying it directly to her.backgroundIn November 20... (5 pages)View decision -
Decision Reference DRN2447607
9 Jan 2018 The Co-operative Bank Plc Not upheldBanking and creditMiss G complains that The Co-operative Bank Plc have acted unfairly when it sold her current account overdraft debt to a debt collection company (L) She also complains that the Co-op gave her contradictory information and were unprofessional in dealing with her compla... (2 pages)View decision -
Decision Reference DRN7221894
22 Jul 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr T complains that Lloyds TSB Bank Plc was irresponsible in its lending to him while he was a student. In particular, he says that it wrongly offered him a graduate loan when he continued his studies after his first degree, re-financed that loan several times when the repayments were una... (2 pages)View decision -
Decision Reference DRN-3804418
29 Nov 2022 Barclays Bank UK PLC Not upheldMortgagesDRN-3804418 The complaint This complaint has been brought on behalf of the estate of Miss C by the personal representatives. Miss C had a mortgage with Barclays Bank UK PLC. Mr C (one of the personal representatives) has dealt with the complaint. He says Barclays has been unfair when tryin... (2 pages)View decision
