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 71523 results
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Decision Reference DRN-5211293
17 Jan 2025 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-5211293 The complaint Mr R complains that Creation Consumer Finance Ltd (Creation) did not mark his account as defaulted. What happened Mr R had a debt with Creation (and other lenders). He entered a Scottish Debt Arrangement Scheme (DAS) in January 2020. The debt due to Creation wa... (3 pages)View decision -
Decision Reference DRN8926548
10 Jan 2014 MKDP LLP Not upheldBanking and creditMr B complains that MKDP LLP is pursuing him for a debt, but has failed to provide him with necessary information about that.background In 2008 Mr B took out a loan with another business which I shall call C. In 2010, when Mr B had significant arrears on the account, C sold the debt t... (2 pages)View decision -
Decision Reference DRN2748608
19 Aug 2014 Debt Connect (U.K.) Limited UpheldBanking and creditMr and Mrs H complain that Debt Connect (UK) Limited has mismanaged their debt management plan.our initial conclusionsThe adjudicator recommended that the complaint should be upheld. She concluded that Debt Connect had not passed on Mr and Mrs H’s money to their creditors. The adju... (2 pages)View decision -
Decision Reference DRN3653866
29 Mar 2017 MBNA Limited Not upheldBanking and creditMr T complains that MBNA Limited has not treated him fairly, in that it sold his debt to a third party earlier than he had expected, and without telling him, as it had said it would do. He would like MBNA to buy the debt back from the third party and allow him to... (2 pages)View decision -
Decision Reference DRN9415887
19 Dec 2018 Foundation for Credit Counselling Not upheldBanking and creditMiss H complains Foundation for Credit Counselling trading as StepChange failed to notify her it had stopped making payments to a creditor and as a result her account was defaulted. She wants an explanation as to how this happened.backgroundMiss H tells us she enter... (3 pages)View decision -
Decision Reference DRN6269876
14 Jan 2014 Lloyds Bank PLC Not upheldBanking and creditMr K complains about a personal guarantee he gave Lloyds Bank PLC (formerly Lloyds TSB Bank Plc) and the way it has dealt with him.backgroundMr K provided two personal guarantees to Lloyds to cover the liabilities of a limited company. The company’s accounts were closed in 2007. After ... (2 pages)View decision -
Decision Reference DRN5072176
22 Jan 2015 Cabot Financial (Europe) Limited Not upheldBanking and creditMr D complains about a debt which Cabot Financial (Europe) Limited is asking him to repay. backgroundIn summary, Mr D says that he does not acknowledge the debt, and that Cabot has not provided sufficient evidence to show that it is his debt or that it is entitled to seek repayment fro... (3 pages)View decision -
Decision Reference DRN4824845
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 June 2014 1st Credit contacted Mr C asking him to repay £14,818.08. This was a debt they’d bought from the original credit card... (2 pages)View decision -
Decision Reference DRN-4461788
1 Dec 2023 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4461788 The complaint Mrs G complains that Tesco Personal Finance PLC trading as Tesco Bank irresponsibly agreed a loan for her. What happened Tesco agreed a loan of £14,999.29 for Mrs G in January 2019. The total amount owed was £18,528.60 to be repaid at £308.81 a month over 5 years.... (3 pages)View decision -
Decision Reference DRN3719121
16 Jul 2015 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs S complain they received unsuitable mortgage advice from National Westminster Bank Plc. Mr S has dealt with the complaint throughout, with assistance from his son.backgroundIn January 2007 Mr and Mrs S took out a mortgage through NatWest. Although NatWest says... (4 pages)View decision
