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 74386 results
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Decision Reference DRN7686406
9 Jan 2017 Motormile Finance UK Limited Not upheldBanking and creditMr D complains that Motormile Finance UK Limited added a default for a payday loan account it had purchased to his credit file. He wants it removed.backgroundMr D said Motormile had bought a debt he accrued in 2011 with a payday lender. He said it’d recently added... (1 page)View decision -
Decision Reference DRN0222131
28 Jun 2013 HSBC Bank plc Not upheldBanking and creditMrs B complains that as she has not seen a copy of her credit card agreement she does not know whether she is responsible for the debt to HSBC Bank Plc.backgroundMrs B accepts that she and her ex-husband both had a credit card issued by HSBC. Mrs B and her present husband are repaying ... (1 page)View decision -
Decision Reference DRN1988203
1 Aug 2014 Santander Cards UK Limited Not upheldBanking and creditMrs D complains that Santander Cards UK Limited placed an adverse notice on her credit file because it had sold her debt to a debt collection agency.backgroundIn mid 2011 Mrs D contacted Santander to explain she was in financial difficulties and was receiving debt management advice. ... (1 page)View decision -
Decision Reference DRN3520358
3 Apr 2020 Capquest Debt Recovery Limited Not upheldBanking and creditMr H complains that as Capquest Debt Recovery Limited (“CDR”) has been unable to provide the credit agreement it can’t prove that a debt is his and that the outstanding amount should now be cancelled and he should be reimbursed all of the payments he has made on that account. Mr H also ask... (3 pages)View decision -
Decision Reference DRN1543109
12 Aug 2015 First Union Mortgages Limited Not upheldBanking and creditMr and Mrs T complain that First Union Mortgages Limited (First Union) should not have advised them to consolidate unsecured debts onto their mortgage. They say they are now at risk losing their home, due to the unsuitable advice they received.backgroundFirst Union co... (5 pages)View decision -
Decision Reference DRN2494785
8 Mar 2017 Baines & Ernst Limited Not upheldBanking and creditMr and Mrs A complain, in summary, that Baines & Ernst Limited, (“BEL”), didn’t providethem with appropriate information when they entered into a debt management plan (“DMP”)with it. The complaint is brought to this service on Mr and Mrs A’s behalf by a claimsman... (4 pages)View decision -
Decision Reference DRN-1870182
5 Jun 2020 Redhawk Legal Ltd Not upheldClaims ManagementDRN-1870182 The complaintMrs H is unhappy how Redhawk Legal Ltd (Redhawk) dealt with her claims for mis-sold Payment Protection Insurance (PPI). What happenedIn 2016, Mrs H instructed Redhawk to make claims for mis-sold PPI on her behalf. Some claims were successful in February 2019, but a... (3 pages)View decision -
Decision Reference DRN-3887798
25 Jan 2023 Crosslight Advice Not upheldConsumer CreditDRN-3887798 The complaint Mr M complains about the way Crosslight Advice handled an appointment for debt advice. What happened Last year, Mr M arranged an appointment with Crosslight for debt advice. Mr M’s told us the advisor didn’t introduce themselves at the start of the call. Mr M comp... (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 DRN-3379102
23 Mar 2022 Barclays Bank UK PLC UpheldMortgagesDRN-3379102 The complaint Mrs L complains that Barclays Bank UK PLC threatened her with court action to take possession of her property, for a debt which isn’t hers and despite knowing about her health and financial situation. What happened Mrs L has a Barclays mortgage with her now ex-hus... (6 pages)View decision
