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
-
Decision Reference DRN-5049571
4 Oct 2024 HSBC UK Bank Plc UpheldConsumer CreditDRN-5049571 The complaint Mr W complains that HSBC UK Bank Plc (“HSBC”) irresponsibly agreed a loan for him. What happened HSBC agreed a loan of £30,000 for Mr W in February 2023. The total amount owed was £51,420.48 to be repaid at £535.63 a month over 96 months. Mr W met his repayme... (5 pages)View decision -
Decision Reference DRN3379142
17 Oct 2014 MKDP LLP Not upheldBanking and creditMiss A complains about a debt that MKDP LLP purchased and is seeking to recover. She believes the debt is statute barred, so MKDP should no longer be seeking payment from her; the date the account was defaulted is incorrect; and, she is unhappy about the way it dealt with her complain... (2 pages)View decision -
Decision Reference DRN5963805
29 Sep 2016 Mercedes-Benz Financial Services UK Limited Not upheldBanking and creditMr R complains that Mercedes-Benz Financial Services UK Limited (“MBFS”) delayed updating his credit file when his debt was repaid.background Mr R had bought a car under a credit agreement with MBFS. He sold the car to a third party, on the basis that the buyer would ... (2 pages)View decision -
Decision Reference DRN-2832291
23 Aug 2021 Nationwide Building Society Not upheldMortgagesDRN-2832291 The complaint Mr and Mrs B’s complaint is about additional borrowing they applied for on their mortgage with Nationwide Building Society. They are unhappy that whilst the decision in principle was an accept, Nationwide later declined the application, leaving them in a difficult... (4 pages)View decision -
Decision Reference DRN-4557880
16 Feb 2024 Freemans Plc UpheldConsumer CreditDRN-4557880 The complaint The estate of Mrs D complains Freemans Plc trading as Bon Prix was told the catalogue shopping account in Mrs D’s name would be closed – but was then asked to repay the balance. Mr D is representing Mrs D’s estate. What happened After Mrs D sadly passed away, Mr D... (2 pages)View decision -
Decision Reference DRN8400947
8 Mar 2017 Lloyds Bank PLC Not upheldBanking and creditMr S complains that Lloyds Bank plc has recorded a default against him relating to an account which was used by his ex-partner without his knowledge or consent. backgroundMr S contacted Lloyds in February 2015 because his current account had been used for transactions t... (2 pages)View decision -
Decision Reference DRN-2263614
14 Dec 2020 Link Financial Outsourcing Limited Not upheldBanking and PaymentsDRN-2263614 The complaint Mr S has complained about Link Financial Outsourcing Limited chasing him for a debt which he feels should’ve been covered by a previous Payment Protection Insurance (PPI) policy. What happened This complaint is about a credit card account which Link began managing... (2 pages)View decision -
Decision Reference DRN-2465791
7 Jan 2021 NewDay Ltd UpheldConsumer CreditDRN-2465791 The complaint Mr C complains that NewDay Limited (NewDay) sold his debt to a debt collection agency without giving notice and while an agreed payment plan was in place. What happened Mr C had a loan account with NewDay and due to a change in his financial circumstances he agree... (3 pages)View decision -
Decision Reference DRN1529436
11 Mar 2015 Next Retail Limited UpheldBanking and creditMr B complains that Next Retail Limited (“Next”) has refused to write off his debt, despite the fact that he is seriously ill. It has also transferred his debt to a third party. He further complains that Next only recorded adverse information on his credit file in 2014 rather than when... (2 pages)View decision -
Decision Reference DRN3936014
22 Jul 2013 Capital One Mortgages Limited Not upheldBanking and creditMr and Mrs B complain that Capital One Mortgages Limited – a mortgage intermediary or broker – recommended a mortgage that was unsuitable for them. backgroundThe background to this complaint was set out in my provisional decision and is not in dispute. Subject to any further submissions... (2 pages)View decision