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 354447 results
-
Decision Reference DRN-5120145
16 Dec 2024 Godiva Mortgages Limited Not upheldMortgagesDRN-5120145 The complaint Mr R’s complaint is about a buy-to-let mortgage application with Godiva Mortgages Limited. He is unhappy that shortly before exchange of contracts on his property purchase, the mortgage offer was withdrawn because he had taken out an unsecured loan after accept... (3 pages)View decision -
Decision Reference DRN-5186911
16 Dec 2024 Topaz Finance Limited Not upheldMortgagesDRN-5186911 The complaint Ms G’s complaint is about the information Topaz Finance Limited trading as Rosinca Mortgages provided to credit reference agencies about her buy-to-let mortgage with it. She says she was not made aware of the consequences of the payment arrangements she agreed ... (3 pages)View decision -
Decision Reference DRN-5138047
16 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5138047 Complaint Mr H has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says the credit card and limit increase should not have been provided to him as they were unaffordable. Background In February 2019, Vanquis provided Mr H with a credit ca... (3 pages)View decision -
Decision Reference DRN-5211312
16 Dec 2024 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5211312 Complaint Mr M has complained about a loan Mitsubishi HC Capital UK Plc (trading as “Novuna” Personal Finance) provided to him. He says he believes proper affordability checks weren’t carried out when he applied for his loan as it lent based on his potential rather than actu... (3 pages)View decision -
Decision Reference DRN-5013283
16 Dec 2024 Telefonica UK Limited Not upheldConsumer CreditDRN-5013283 Complaint Mr T has complained about loans Telefonica UK Limited (“Telefonica”) provided to him. He says that he shouldn’t have been provided with so many loans. Background Mr T entered into a total of five interest free agreements with Telefonica. In October 2020, Mr T pur... (3 pages)View decision -
Decision Reference DRN-5195741
16 Dec 2024 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5195741 Complaint Mr P has complained about a credit card Capital One (Europe) plc (“Capital One”) provided to him. He says that the credit card and the subsequent limit increase were unaffordable. Background Capital One provided Mr P with a credit card that had an initial limit of... (3 pages)View decision -
Decision Reference DRN-5166927
16 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5166927 Complaint Miss S has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says that her credit limit increases were irresponsibly provided. Background Vanquis provided Miss S with a credit card in July 2016. Miss S was then offered a credit l... (3 pages)View decision -
Decision Reference DRN-5146409
16 Dec 2024 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5146409 Complaint Mr G has complained about a personal loan Shawbrook Bank Limited (“Shawbrook”) provided to him. He says that proportionate checks weren’t carried out and he was provided with an unaffordable loan as a result. Background Shawbrook provided Mr G with a loan for £12,... (4 pages)View decision -
Decision Reference DRN-5190678
16 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5190678 Complaint Miss L has complained about a credit card and subsequent limit increases which NewDay Ltd (trading as “Aqua”) provided to her. She says the credit card was unaffordable and shouldn’t have been provided. Background Aqua provided Miss L with a credit card which had ... (4 pages)View decision -
Decision Reference DRN-5172700
16 Dec 2024 TSB Bank plc UpheldBanking and PaymentsDRN-5172700 Complaint Mr M says that TSB Bank plc (“TSB”) unfairly provided him with an overdraft and continued to allow him to use even when it was evident he was unable to repay to what he owed. Background One of our investigators looked into Mr M’s concerns. She thought that TSB oug... (3 pages)View decision
