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 69825 results
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Decision Reference DRN-2734545
20 Jul 2021 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-2734545 The complaint Mr B complains that Brent Shrine Credit Union Limited, trading as My Community Bank, is reporting a default on his credit file. What happened In 2018 Mr B borrowed £4,000 from My Community Bank (MCB). In 2019 he lost his job due to mental illness, and he fell into... (2 pages)View decision -
Decision Reference DRN3879823
27 Aug 2019 PRA Group (UK) Limited Not upheldBanking and creditMr H complains PRA Group (UK) Limited has continued asking him for repayment on a credit card debt despite it being unenforceable. Mr H also disputes the amount PRA says he owes, and says it has used aggressive tactics to try to get him to pay.backgroundPRA contacted Mr H in October 2016 ... (2 pages)View decision -
Decision Reference DRN7524246
3 Oct 2019 Kapama Limited UpheldBanking and creditMiss J complains that Kapama Limited have asked her to repay too much towards the loan she took out with a different lender.backgroundIn 2012, Miss J took out a pay day loan for £170 with a lender. The account fell into arrears and the lender applied charges to the account – the total bala... (4 pages)View decision -
Decision Reference DRN2123930
7 Jan 2016 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs T complain that Legal & General Partnership Services Limited gave them unsuitable advice to pay an Early Redemption Charge (“ERC”) and consolidate their debts.backgroundMr and Mrs T remortgaged their property in 2009 when they wanted to reduce the term ... (2 pages)View decision -
Decision Reference DRN3015204
19 Apr 2017 Robinson Way Limited Not upheldBanking and creditMs G complains that Robinson Way Limited had registered a County Court Judgement against her and when she paid this it was slow to have it removed. background Ms G along with her ex-husband encountered financial difficulties in 2008 and failed to make repayments on ... (2 pages)View decision -
Decision Reference DRN0672252
6 Jun 2017 Vanquis Bank Limited UpheldBanking and creditMiss C complains that Vanquis Bank Limited added a default to her credit file when she’d been told this wouldn’t happen if she kept in touch. She wants it removed.backgroundMiss C says that in May 2016 she contacted Vanquis to tell it she’d lost her employment. And t... (2 pages)View decision -
Decision Reference DRN5678253
30 Dec 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr F complains The Royal Bank of Scotland Plc should write off a debt as it is now unenforceable because it is statute barred.backgroundMr F took out a loan in 2003 with a business for which RBS is responsible. He says he was then involved in an accident as a result of which he was no l... (1 page)View decision -
Decision Reference DRN-3469758
27 Jun 2022 Arrow Global Limited Not upheldConsumer CreditDRN-3469758 The complaint Mr C is unhappy that Arrow Global Limited has asked him to repay a debt without giving him evidence that he’s liable for it. What happened In May 2012 Arrow bought an outstanding debt in Mr C’s name. The debt relates to a credit card with a business I will refer t... (2 pages)View decision -
Decision Reference DRN7667723
15 Feb 2017 Santander UK Plc Not upheldBanking and creditMr M complains that Santander UK Plc sold him a mortgage that he couldn’t afford. He asks for compensation. backgroundIn early 2011 Mr M took out a mortgage for £111,000 with a 14 year term. The mortgage was recommended by a mortgage broker. Mr M used the money to rep... (2 pages)View decision -
Decision Reference DRN1862425
30 Dec 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs P complain that an authorized representative of Legal & General Partnership Services Limited (“L&G”) mis-sold them a mortgage.backgroundIn 2009, Mr and Mrs P were advised by L&G’s representative to take out a mortgage. The main purpose of the... (2 pages)View decision
