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 77331 results
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Decision Reference DRN8557439
13 Jul 2018 HSBC Bank plc Not upheldPayment protection insurance (PPI)Mr A is complaining that HSBC Bank Plc (“HSBC”) has used the compensation it offered for the mis-selling of a payment protection insurance (“PPI”) policy attached to his credit card, to reduce his outstanding debt.backgroundIn 2018, HSBC offered Mr A compensation of £6... (2 pages)View decision -
Decision Reference DRN-4820518
24 Jun 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4820518 The complaint Mr S complains that Santander UK Plc sold his debt to a debt collection agency despite his offer to partially settle the account balance with a one-off payment. What happened Mr S held a personal current account and credit card with Santander which together had ac... (3 pages)View decision -
Decision Reference DRN3645657
5 Oct 2018 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)ComplaintMr T is complaining that Capital One (Europe) plc (“Capital One”) mis-sold him a payment protection insurance (“PPI”) policy attached to his credit card. It has used the compensation due to him to reduce his outstanding debt with it.backgroundMr T took the poli... (3 pages)View decision -
Decision Reference DRN3184698
8 Jul 2019 Link Financial Outsourcing Limited UpheldBanking and creditMr B says Link Financial Outsourcing Limited is chasing him for a debt that doesn’t exist. backgroundIn 2015, Mr B took a store card with another business as it entitled him to a discount on a purchase. He says he only used it for that purchase. He’s provided an account statement dated 21 ... (2 pages)View decision -
Decision Reference DRN3976848
21 Feb 2018 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs R have complained that Bank of Scotland plc, trading as Halifax, applied a default to their credit file about an outstanding balance. They weren’t aware of this and would like the bank to remove the defaults. backgroundMr and Mrs R had disputed a £10,000... (2 pages)View decision -
Decision Reference DRN1377339
29 Nov 2019 PRA Group (UK) Limited Not upheldBanking and creditMrs A complains about the service that she’s received from PRA Group (UK) Limited in connection with her credit card debt. backgroundMrs A had a credit card debt with a credit card provider of £3,598.74 that was assigned to a third party in August 2012 and then to PRA Group in January 2015... (3 pages)View decision -
Decision Reference DRN8285924
26 Aug 2015 HSBC Bank plc Not upheldPayment protection insurance (PPI)Mr S complained that HSBC Bank Plc (HSBC) mis-sold him PPI policies taken out with three loans. Mr S is unhappy with the compensation offered to settle his complaint. backgroundMr S took out three PPI policies associated with three loans (references ending 3331, 7200 and ... (3 pages)View decision -
Decision Reference DRN8637469
30 Mar 2015 1st Credit Limited UpheldBanking and creditMr C has complained that 1st Credit Limited continued to ask him for payment of a debt when he believes this was not enforceable.backgroundIn April 2014 1st Credit contacted Mr C asking him to repay £3,755.94. This was a debt they’d bought from the original loan provi... (2 pages)View decision -
Decision Reference DRN-2348515
25 May 2021 Erudio Student Loans Limited Not upheldConsumer CreditDRN-2348515 The complaint Ms K says Erudio Student Loans Limited has treated her unfairly in the way it is pursuing her in relation to debts. What happened Erudio says Ms K has four student loans which Erudio has managed since March 2014, three under one account number (ending 3714) and on... (3 pages)View decision -
Decision Reference DRN8514877
20 Jun 2017 Lowell Financial Ltd Not upheldBanking and creditMr O complains that Lowell Financial Limited, (LFL”), is unfairly pursuing him for a debt he said was statute barred.backgroundMr O is unhappy that LFL has sent him debt collection correspondence for a debt that he says is statute barred. He said that LFL claimed that ... (2 pages)View decision