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 118878 results
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Decision Reference DRN-3311105
24 Mar 2022 TSB Bank plc UpheldBanking and PaymentsDRN-3311105 The complaint Ms R complains that TSB Bank plc stopped paying interest on her Classic Plus account. What happened In January 2015 Ms R opened a Classic Plus account with TSB. Ms R has explained she wanted to take advantage of interest TSB pays account holders who are signed up ... (2 pages)View decision -
Decision Reference DRN-3391742
24 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3391742 The complaint Mr I is unhappy that NewDay Ltd, trading as Aqua, provided him with credit which he feels was unaffordable for him and didn’t provide appropriate financial assistance to him when he was experiencing financial difficulty. What happened In January 2017, Mr I applied... (9 pages)View decision -
Decision Reference DRN-3207749
24 Mar 2022 Metro Bank PLC UpheldBanking and PaymentsDRN-3207749 The complaint A company, which I’ll refer to as B, complains that Metro Bank PLC won’t refund disputed transactions debited from the company’s business current account. Mr M, who is the director of B, brings the complaint on B’s behalf with assistance from his sister. He says h... (10 pages)View decision -
Decision Reference DRN-3176289
24 Mar 2022 Morses Club PLC UpheldConsumer CreditDRN-3176289 The complaint Mrs W says Morses Club PLC lent to her irresponsibly. She says that the loans weren’t affordable for her and Morses should have seen this and not lent. What happened This complaint is about nine home collected loans Morses provided to Mrs W between February 2015 a... (4 pages)View decision -
Decision Reference DRN-3394091
24 Mar 2022 Mortgage Advice Bureau Limited UpheldMortgagesDRN-3394091 The complaint Miss L and Mr R complain that an appointed representative of Mortgage Advice Bureau Limited (MABL) misled them about the amount they’d be able to borrow. They had to raise money for a larger deposit at short notice. They ask for compensation for their financial lo... (3 pages)View decision -
Decision Reference DRN-3394032
24 Mar 2022 J D Williams & Company Limited UpheldConsumer CreditDRN-3394032 The complaint Mr H says J D Williams & Company Limited (“J D Williams”) irresponsibly lent to him. He has requested that the interest and late payment charges he paid on his account be refunded. What happened This complaint is about a catalogue shopping account provided by ... (5 pages)View decision -
Decision Reference DRN-3353886
24 Mar 2022 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3353886 The complaint Mr B complains about the quality of a car he has been financing through an agreement with Moneybarn No. 1 Limited (“Moneybarn”) and about the redress they’ve offered to put things right. What happened The details of this complaint are well known to both parties, s... (2 pages)View decision -
Decision Reference DRN-3377974
24 Mar 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3377974 The complaint Mr and Mrs H are unhappy that HSBC UK Bank Plc (trading as “First Direct”) hasn’t fully reimbursed them after they fell victim to a scam What happened I issued a provisional decision in March 2022 to explain why I thought Mr and Mrs H’s complaint should be partial... (14 pages)View decision -
Decision Reference DRN-3388743
24 Mar 2022 TSB Bank plc UpheldConsumer CreditDRN-3388743 The complaint Mrs K is unhappy with the service that she received from TSB Bank plc surrounding her request for a payment holiday on her loan account, including that TSB ultimately defaulted her account for non-payment. What happened In March 2020, the day before the scheduled ... (6 pages)View decision -
Decision Reference DRN-3288120
24 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3288120 The complaint Ms W is complaining that AvantCredit of UK, LLC irresponsibly lent to her. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. The facts are not in dispute, so I’ll focus on giving the reasons for my decis... (2 pages)View decision
