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 370904 results
-
Decision Reference DRN-4913475
8 Aug 2024 Gain Credit LLC Not upheldConsumer CreditDRN-4913475 The complaint Mr G has complaint through a representative that Gain Credit LLC trading as Drafty (“Drafty”) gave him a line of credit without carrying out sufficient affordability checks. What happened Mr G approached Drafty for a running credit facility on 21 June 2023, an... (5 pages)View decision -
Decision Reference DRN-4951087
8 Aug 2024 Western Provident Association Limited UpheldInsuranceDRN-4951087 The complaint Mrs A complains that Western Provident Association Limited (WPA) has turned down a claim she made on a personal private medical insurance policy. What happened The background to this complaint is well-known to both parties. So I’ve simply set out a summary of w... (5 pages)View decision -
Decision Reference DRN-4845118
8 Aug 2024 Vitality Health Limited UpheldInsuranceDRN-4845118 The complaint Mrs W complains that Vitality Health Limited has unfairly declined her claim for surgery under her private medical insurance policy. What happened Mrs W has a private medical insurance policy which she had renewed every March since 2016. This is insured with V... (5 pages)View decision -
Decision Reference DRN-4945426
8 Aug 2024 Barclays Bank UK PLC Not upheldMortgagesDRN-4945426 The complaint This complaint is about an offset mortgage Mr J hold with Barclays Bank UK PLC. The essence of the complaint is that Mr J isn’t happy with how Barclays has calculated the interest on the account since he made a lump sum part-redemption in June 2023. What happe... (2 pages)View decision -
Decision Reference DRN-4943271
8 Aug 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4943271 The complaint Ms W complains that NewDay Ltd trading as Marbles have irresponsibly lent to her. What happened Ms W was approved for a Marbles credit card in February 2022 with a £450 credit limit. Ms W says Marbles shouldn’t have accepted her application due to the defaults ... (2 pages)View decision -
Decision Reference DRN-4912645
8 Aug 2024 Gain Credit LLC Not upheldConsumer CreditDRN-4912645 The complaint Mr B complaints that Gain Credit LLC trading as Drafty (“Drafty”) gave him a line of credit without carrying out the appropriate affordability checks. What happened Mr B was granted a running credit facility on 25 December 2023. This had a £1,000 credit limit ... (5 pages)View decision -
Decision Reference DRN-4944724
8 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4944724 The complaint Miss D complains that NewDay Ltd, trading as Aquacard, irresponsibly provided her with a credit card account she couldn’t afford. She’s also unhappy with the four credit limit increases (CLIs) it subsequently applied to the account. What happened In March 2020 ... (3 pages)View decision -
Decision Reference DRN-4851333
8 Aug 2024 Frasers Group Financial Services Limited UpheldConsumer CreditDRN-4851333 The complaint Miss B complains that Frasers Group Financial Services Limited, trading as Studio, failed to apply promotional codes to her orders. What happened Miss B says that items she bought, and that show on statements 61 and 62, should have an “interest saver” promotion... (2 pages)View decision -
Decision Reference DRN-4936747
8 Aug 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4936747 The complaint Mr S complains through a representative that Moneybarn No.1 Limited trading as Moneybarn (“Moneybarn”) entered into a conditional sale agreement without carrying out an affordability assessment. Mr S also says that an undisclosed amount of commission was paid,... (5 pages)View decision -
Decision Reference DRN-4839644
8 Aug 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4839644 The complaint Mr M complains that Lloyds Bank PLC unfairly reduced his credit limit on his Lloyds credit card What happened Mr M says that he made a payment of £1,000 to his Lloyds credit card on 28 February 2024, as he was going to make a card payment for a new payment. Whe... (3 pages)View decision
