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 74313 results
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Decision Reference DRN5422498
2 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMr D complains about a debt reduction agreement that he took out with NEO Media Solutions Limited, trading as One Debt Solutions. He complains that it did not pay money to his creditors as it had agreed to do, that it did not respond to his letters and that it did not return his documen... (2 pages)View decision -
Decision Reference DRN8231666
8 Jan 2015 Debts Reduced Ltd UpheldBanking and creditMrs A complains about a debt management plan she entered into with Debts Reduced Ltd. She says she was not fully informed about the charges that would be applied to the plan and she is unhappy about the amounts that have actually been passed on to her creditors. backgroundThe complain... (2 pages)View decision -
Decision Reference DRN6670707
5 Jul 2013 Lloyds TSB Bank Plc UpheldBanking and creditMr S has complained that Lloyds TSB Bank Plc combined his debts and applied higher interest and charges to the outstanding balance. He also complains that the bank transferred the debt to a debt collection agency which began to chase him for repayment. backgroundOur adjudicator concluded ... (2 pages)View decision -
Decision Reference DRN9647450
25 Sep 2015 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mrs P has complained about the way Capital One (Europe) plc (“Capital One”) has used the compensation it agreed to pay her after she complained about the mis-sale of payment protection insurance (“PPI”).backgroundMrs P took out a credit card with Capital One and also to... (2 pages)View decision -
Decision Reference DRN9240789
26 Nov 2013 DEBT CORRECT Not upheldBanking and creditMr D complains about the way Debt Correct Limited arranged and administered a debt management plan with his creditor.background Mr D was having difficulty making full loan repayments and asked Debt Correct to negotiate a debt management plan. It told him that this had been agreed and he ... (2 pages)View decision -
Decision Reference DRN7662448
7 May 2019 Hoist Finance UK Limited UpheldBanking and creditMr L complains that Hoist Finance UK Limited wrongly pursued him for a debt. He says the debt wasn’t his but he received threatening letters and poor service while trying to deal with this.backgroundMr L says that he was pursued for a debt that wasn’t his. He says ... (3 pages)View decision -
Decision Reference DRN0001079
9 Jul 2019 Lloyds Bank PLC Not upheldBanking and creditMr J complains about lending made to him by Lloyds Bank PLC.backgroundMr J borrowed a large amount of money from Lloyds, by first applying for and then greatly increasing an overdraft. He said he’d borrowed £2,500 in a short period of time. Mr J said he shouldn’t have been able to do that,... (4 pages)View decision -
Decision Reference DRN3234749
18 Dec 2017 Cabot Credit Management Group Limited Not upheldBanking and creditMr P complains Cabot Credit Management Group Limited pursued him for a debt that he said that was unenforceable. He thinks it acted in an inappropriate way when trying to recover the debt from him. Mr P asks for compensation of £7,500.our initial conclusionsOur inve... (2 pages)View decision -
Decision Reference DRN9008145
9 Mar 2018 HSBC Bank plc Not upheldBanking and creditMr T is unhappy his credit card debt with HSBC Bank Plc has been sold to another company. He’s also unhappy HSBC haven't been able to provide a copy of his signed agreement.backgroundIn 2003 Mr T took out a loan with HSBC he says at the same time he was given... (2 pages)View decision -
Decision Reference DRN2378638
1 Aug 2017 Everyday Loans Limited Not upheldBanking and creditMrs N complains that two loans she took out with Everyday Loans Limited were unaffordable.backgroundIn June 2011 Mrs N took out a loan with Everyday Loans for £3000 to consolidate other debts. In August 2012 she took out a further loan for £6000 which consolidated he... (2 pages)View decision
