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 365360 results
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Decision Reference DRN-4347853
14 Feb 2024 Lloyds Bank PLC Not upheldMortgagesDRN-4347853 The complaint Mr A complains that Lloyds Bank plc made mistakes and caused delays when he tried to arrange a new fixed interest rate and a term extension on his mortgage. What happened Mr A was worried about increases in his monthly mortgage payments following interest rate ris... (3 pages)View decision -
Decision Reference DRN-4607735
14 Feb 2024 Frasers Group Financial Services Limited Not upheldConsumer CreditDRN-4607735 The complaint Miss H says Frasers Group Financial Services Limited (Ace), lent to her irresponsibly. What happened In May 2018, Miss H applied for and received an account with Ace. She was given a credit limit of £200. Ace increased her limit as follows: Date Limit June 2020 £2... (3 pages)View decision -
Decision Reference DRN-4594296
14 Feb 2024 Lending Stream Limited Not upheldConsumer CreditDRN-4594296 The complaint Miss L complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) allowed her to take out a loan without checking whether she could afford to repay it. Miss L is also unhappy that Lending Stream has attempted to obtain a County Court Judgement (CC... (4 pages)View decision -
Decision Reference DRN-4312791
14 Feb 2024 Wise Payments Limited Not upheldBanking and PaymentsDRN-4312791 The complaint Mr P complains Wise Payments Limited closed his account and failed to return funds held in the account back to him. He also complains that Wise has obtained and shared information relating to him without his consent. What happened The detailed background to this c... (4 pages)View decision -
Decision Reference DRN-4511493
14 Feb 2024 Apfin Ltd Not upheldConsumer CreditDRN-4511493 The complaint Mr C complains APFIN LTD trading as cashasap.co.uk (“Apfin”) provided him with a loan when he had a poor credit score and an outstanding County Court Judgement (CCJ). What happened Mr C was granted one loan on 26 July 2022 for £250. Mr C was due to make six monthl... (4 pages)View decision -
Decision Reference DRN-4572233
14 Feb 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4572233 Complaint Miss O has complained about a loan Zopa Bank Limited (“Zopa”) provided to her. She says the loan was unaffordable, because of her existing debt and financial position, so she shouldn’t have been lent to. Background Zopa provided Miss O with a loan for £8,000.00 in Dec... (3 pages)View decision -
Decision Reference DRN-4586544
14 Feb 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4586544 Complaint Miss C has complained about a credit card NewDay Ltd (trading as “Aqua”) provided to her. She says the credit card was irresponsibly provided to her and then her limit increased even after she was only making minimum payments. Background Aqua provided Miss C with a cr... (3 pages)View decision -
Decision Reference DRN-4306427
13 Feb 2024 Tandem Personal Loans Ltd Not upheldConsumer CreditDRN-4306427 The complaint Mr C complains that Tandem Personal Loans Limited won’t refund to him the money that he paid for some holiday club membership credits. He’s being represented in his complaint by a claims management company. What happened Mr C and his partner had bought a holiday p... (7 pages)View decision -
Decision Reference DRN-4325617
13 Feb 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4325617 The complaint Mr A has complained about how Barclays Bank UK PLC dealt with his claim for money back in relation to a purchase he’d made using his debit card. What happened The circumstances of the complaint are well known to the parties so I’m not going to go over everything a... (3 pages)View decision -
Decision Reference DRN-4428336
13 Feb 2024 Marks & Spencer Financial Services plc Not upheldBanking and PaymentsDRN-4428336 The Complaint Mrs F says that Marks and Spencer Financial Services Plc (the ‘Business’) didn’t act fairly or reasonably under certain provisions of the Consumer Credit Act 1974 (the ‘CCA’) in relation to a timeshare she purchased on 18 November 2013 (the ‘Time of Sale’) using a... (3 pages)View decision
