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 71923 results
-
Decision Reference DRN-3091688
12 Nov 2021 BW Legal Services Limited Not upheldConsumer CreditDRN-3091688 The complaint Mr S complains that BW Legal Services Limited is pursuing him for a debt without providing evidence it has authority to do so. What happened Mr S had a credit card with another business (C). Mr S has explained that after a period of working abroad he experienced i... (2 pages)View decision -
Decision Reference DRN-5091011
28 Nov 2024 Aro Finance Limited UpheldMortgagesDRN-5091011 The complaint Mr W has complained that Aro Finance Limited mis-sold him a second charge mortgage in 2021. Mr W has said that the mortgage was unaffordable, has made his situation worse, and he considers Aro took advantage of him when he was desperate for help. What happened ... (4 pages)View decision -
Decision Reference DRN-3792023
18 Nov 2022 Landmark Mortgages Limited Not upheldMortgagesDRN-3792023 The complaint Mr and Mrs T’s settlement offer for their outstanding loan debt was rejected in 2015 by Landmark Mortgages Limited trading as NRAM. They complain that Landmark secretly decided it would accept a higher offer, which they could’ve afforded, but never told them. What... (3 pages)View decision -
Decision Reference DRN-3168509
26 Jan 2022 Prac Financial Limited Not upheldConsumer CreditDRN-3168509 The complaint Mr H complains that PRAC Financial Limited (PRAC) didn’t respond sympathetically to his attempts to settle an outstanding debt. What happened In 2019 PRAC bought an outstanding debt in Mr H’s name. PRAC instructed a company which I will refer to as “B” to recover ... (2 pages)View decision -
Decision Reference DRN0313103
4 Dec 2014 Capital One (Europe) plc Not upheldBanking and creditMr C, complains that Capital One (Europe) plc did not give reasonable consideration to his offer in settlement to clear his credit card balance and sold it to a third party. He is represented by his brother, Mr A.our initial conclusionsThe adjudicator did not recommend that t... (2 pages)View decision -
Decision Reference DRN-2257174
22 Dec 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2257174 The complaint Ms W complains that Vanquis Bank Limited was irresponsible when giving her a credit card and credit limit increase. She also complains about the way Vanquis treated her when it was chasing her for payments. What happened In October 2014 Ms W was successful in appl... (3 pages)View decision -
Decision Reference DRN3870026
13 Feb 2014 123 Debt Solutions Ltd UpheldBanking and creditMiss B complains that 123 Debt Solutions Ltd did not treat her reasonably or fairly in that it took money for a PPI claim when she had expressly told it not to. She also complains that when she told it she could not afford her monthly payments towards the PPI claim and debt management... (3 pages)View decision -
Decision Reference DRN2919637
16 Oct 2014 WDFC UK Limited UpheldBanking and creditMiss D complains about a loan from WDFC UK Limited trading as Wonga.com (“Wonga”). Miss D says she repaid Wonga but was then pursued for the same debt by a debt collection company more than two years later, and paid it a second time. Miss D wants a refund and compensation from Wonga... (3 pages)View decision -
Decision Reference DRN7282561
25 Jan 2018 Capital One (Europe) plc Not upheldBanking and creditMr M complains that Capital One (Europe) plc told him that interest would not be applied to his credit card account when he told them that he was in financial difficulties and then applied it anyway. He wants: £300 he has wrongly paid as a result of this to be retu... (4 pages)View decision -
Decision Reference DRN7686886
6 May 2015 Lloyds Bank PLC Not upheldBanking and creditMr L complains about Lloyds Bank PLC recording information on his credit file. He believes the debt with the bank is statute barred and because of this the debt should no longer be showing on his credit file. backgroundMr L took out a credit card with the bank. In 20... (2 pages)View decision
