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 77331 results
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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 DRN0312629
7 Dec 2017 The Co-operative Bank Plc Not upheldBanking and creditMr P complains that The Co-operative Bank plc reported incorrect information to a credit reference agency and breached data protection.He has also said that Co-op sold the debts on his credit cards and didn’t comply with the Lending Code. background Mr P has told us t... (4 pages)View decision -
Decision Reference DRN4629711
15 Jan 2019 Robinson Way Limited Not upheldBanking and creditMr K complains that Robinson Way Limited did not provide him with the information he asked for and took a long time to respond to him.backgroundMr K says that Robinson way failed to provide him with the information he asked for in regard to a debt that it was ask... (2 pages)View decision -
Decision Reference DRN-3182919
18 Jan 2022 Debt Managers (Services) Limited UpheldConsumer CreditDRN-3182919 The complaint Mr M has complained that Debt Managers (Services) Limited have been reporting incorrect information on his credit file. What happened This complaint is about a consumer credit agreement which defaulted in 2016 and was acquired by Debt Managers in 2017. In March 20... (2 pages)View decision -
Decision Reference DRN0711523
24 May 2016 HSBC Bank plc Not upheldBanking and creditMr L complains that HSBC Bank Plc has not treated him fairly in that it recorded a default on his credit file without having sent him a default notice. He says the bank is not able to provide proof he owes the debt, and it should remove the default listing. backgroun... (2 pages)View decision -
Decision Reference DRN6973000
27 Nov 2019 Advanced Payment Solutions Limited UpheldBanking and creditMr D is unhappy Advanced Payment Solutions Limited (APS) didn’t tell him when he settledhis debt that it had been sold to a debt collection agency.backgroundMr D had an account with APS from September 2016. The account charged a monthlysubscription of £5.95.In September 2017, APS arranged ... (4 pages)View decision -
Decision Reference DRN0366848
13 Mar 2017 Barclays Bank Plc UpheldBanking and creditMr H says Barclays Bank PLC, trading as Barclaycard, hasn’t dealt with his outstanding debts sympathetically or positively.backgroundMr H took out two credit cards with Egg Bank: the first was taken out in 2003, the second in 2004. In 2010 Mr H got into financial diffi... (3 pages)View decision -
Decision Reference DRN-5278474
22 Jan 2025 Southern Pacific Mortgage Limited UpheldMortgagesDRN-5278474 The complaint Mr L complains that Southern Pacific Mortgage Limited (SPML) took payments from him in respect of a mortgage after he had been discharged from bankruptcy, and that it reported missed payments to his credit file. What happened Mr L took out a mortgage with SPML ... (4 pages)View decision -
Decision Reference DRN2058634
14 May 2018 Link Financial Outsourcing Limited Not upheldBanking and creditMiss C complains that she’s being pursued by Link Financial Outsourcing Limited for a debt that’s unenforceable. She’s being helped with her complaint by a representative.backgroundA debt that was owed by Miss C to a third party was transferred to the current cred... (2 pages)View decision -
Decision Reference DRN2163458
14 Feb 2017 Kapama Limited UpheldBanking and creditMiss P complains that Kapama Limited requires her to repay too much towards her loan.backgroundIn 2012 Miss P borrowed £220 from a payday lender. She failed to repay the debt, and the lender added fees and interest until the debt increased to over £2,000. The debt wa... (2 pages)View decision