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 69710 results
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Decision Reference DRN5370845
30 Aug 2017 MEM Consumer Finance Limited Not upheldBanking and creditMr P complains that MEM Consumer Finance Limited (trading as Payday UK) is pursuing him for repayment of a payday loan.backgroundMr P had a loan from Payday UK in 2012. Mr P didn’t make any repayments, so the account defaulted and the debt was later sold on. The de... (2 pages)View decision -
Decision Reference DRN1916702
31 May 2019 Paragon Finance Plc Not upheldBanking and creditMr P and his representative complain that he’s been harassed by Paragon Finance PLC (trading as Idem Servicing) when it’s attempted to collect a debt from him. They want the amount owed to be demonstrated as fair, for it to be reduced or written off and £100 compen... (2 pages)View decision -
Decision Reference DRN-2715453
14 Apr 2021 Hoist Finance UK Limited Not upheldConsumer CreditDRN-2715453 The complaint Mr D has complained that Hoist Finance UK Limited didn’t send him the documents he asked for. What happened This complaint is about a credit card account from 2013, which was sold to Hoist in 2018. In 2020, Mr D asked Hoist for certain documents such as the credit... (2 pages)View decision -
Decision Reference DRN1773386
2 Jun 2017 National Westminster Bank Plc Not upheldBanking and creditMr J has complained that he wasn’t kept up to date by National Westminster Bank Plc (“NatWest”) about a debt he had with them.backgroundMr J took out a credit card with NatWest in 2006. Unfortunately he fell into financial difficulty in 2012 and wasn’t able to keep u... (2 pages)View decision -
Decision Reference DRN-2789689
26 Jul 2021 Secure Trust Bank Plc Not upheldConsumer CreditDRN-2789689 The complaint Mr B complains about the actions of Secure Trust Bank plc, trading as Moneyway, in response to his voluntary termination of a hire purchase agreement under which a car had been supplied to him. What happened A used car was supplied to Mr B under a hire purchase ag... (3 pages)View decision -
Decision Reference DRN-4072145
23 Jun 2023 Progressive Money Limited UpheldConsumer CreditDRN-4072145 The complaint Mr K complains that Progressive Money Limited (“Progressive Money”) lent to him irresponsibly. What happened Mr K took out a fixed sum loan agreement with Progressive Money in April 2018. He borrowed £3,000 over 48 months, repaying £157 a month. The total cost of ... (4 pages)View decision -
Decision Reference DRN-2707671
6 Apr 2021 TSB Bank plc Not upheldBanking and PaymentsDRN-2707671 The complaint Mr S complained that he has been harassed by TSB Bank Plc for repayment of a debt that he doesn’t owe. He also believes that they’ve shared personal data without his consent . Mr S is represented by another party in bringing this complaint. But, for simplicity, I’... (4 pages)View decision -
Decision Reference DRN-3005100
29 Apr 2022 Target Servicing Limited Not upheldConsumer CreditDRN-3005100 The complaint Miss W complains that Target Servicing Limited is reporting incorrect data about her loan to credit reference agencies. What happened Target Servicing Limited (“Target”) is administering a debt owed by Miss W on behalf of a business I’ll call ‘C’. Miss W has been ... (2 pages)View decision -
Decision Reference DRN-2489317
8 Mar 2021 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-2489317 The complaint Mr T complains about Capital One (Europe) plc (“Capital One”) in relation to its decision to issue him with a credit card. He believes that the lending was irresponsible, and he wants Capital One to refund him the interest he has paid on his debt. What happened In... (2 pages)View decision -
Decision Reference DRN6483793
20 Oct 2016 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mrs N is complaining that Capital One (Europe) plc (Capital One) mis-sold her a payment protection insurance (PPI) policy. She’s unhappy that it’s used some of the compensation it’s offered her to reduce an outstanding debt.background Mrs N is complaining about a PPI po... (2 pages)View decision
