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 70502 results
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Decision Reference DRN8924945
15 Feb 2017 Kapama Limited UpheldBanking and creditMs C complains that Kapama Limited required her to repay too much towards her loan after it defaulted.backgroundIn 2012 Ms C borrowed £100 from a payday lender. She failed to repay the debt, and the lender added fees and interest until the debt increased to over £1,000.... (3 pages)View decision -
Decision Reference DRN-5199237
15 Jan 2025 etika Finance UK Limited Not upheldConsumer CreditDRN-5199237 The complaint Mr D complains that Etika Finance UK Limited was irresponsible when it offered him credit. What happened Etika agreed credit of £327.39 for Mr D in September 2019. The total amount owed was £407.47 to be repaid at £11.32 a month over 36 months. Mr D met his re... (3 pages)View decision -
Decision Reference DRN2799615
23 Dec 2014 Haydon Associates Debt Management Consultants Ltd UpheldBanking and creditMrs B complains about the way which Haydon Associates Debt Management Consultants Ltd (‘Haydon’) has run her debt management plan (‘DMP’). In summary, she says it passed very little of her monthly payments on to her creditors, and took excessive fees. backgroundIn summary, Haydon says t... (2 pages)View decision -
Decision Reference DRN1997754
7 Aug 2019 Legal & General Partnership Services Limited Not upheldBanking and creditMr L complains about advice he was given by AWD Home Finance Limited, a broker and appointed representative of Legal & General Partnership Services Limited. He says he was mis-sold a mortgage. A complaints management company (CMC) has brought this complaint on behalf of Mr L.background... (2 pages)View decision -
Decision Reference DRN-4954680
24 Oct 2024 Evolution Money Limited Not upheldMortgagesDRN-4954680 The complaint Mr and Mrs W complain that Evolution Money Limited gave them unsuitable advice to take out a second charge mortgage (secured loan). What happened In March 2022, Mr and Mrs W took advice from Evolution about taking out a secured loan to consolidate existing unse... (3 pages)View decision -
Decision Reference DRN-4543092
28 Feb 2024 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4543092 The complaint Mr E complains that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) lent to him irresponsibly. What happened Mr E applied for a credit card from Tesco and in July 2022, it was agreed. Mr E then asked for an increase in the limit in January 2023, and that... (4 pages)View decision -
Decision Reference DRN1202759
5 Sep 2013 MBNA Limited Not upheldBanking and creditMr D complains that MBNA Limited did not honour the terms of a repayment arrangement that he had agreed with it. He said the bank instead wrongly sold his debt to a collections agency which then contacted him from overseas to chase payment, but would not confirm a verbal settlement ag... (2 pages)View decision -
Decision Reference DRN-2705576
2 Jun 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2705576 The complaint Mr R complains that Barclays Bank UK PLC, trading as Barclaycard, sold his debt to a debt collection agency. He says phone calls from the debt collection agency have affected his mental health. He wants Barclaycard to take back possession of the debt or write it o... (2 pages)View decision -
Decision Reference DRN-2707671
6 Apr 2021 TSB Bank plc Not upheldBanking and PaymentsDRN-2707671 The complaint Mr S complained that he has been harassed by TSB Bank Plc for repayment of a debt that he doesn’t owe. He also believes that they’ve shared personal data without his consent . Mr S is represented by another party in bringing this complaint. But, for simplicity, I’... (4 pages)View decision -
Decision Reference DRN-1869494
29 May 2020 The Royal Bank of Scotland Plc Not upheldInsuranceDRN-1869494The complaintMr B is complaining that The Royal Bank of Scotland Plc (“RBS”) 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. What happenedIn November 2019, RBS ... (3 pages)View decision
