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 70661 results
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Decision Reference DRN1898728
18 Jun 2013 Capital One (Europe) plc Not upheldBanking and creditsummary of complaintMr A complains that Capital One (Europe) plc is pursuing him for a debt that is owed by B not him. He says that Capital One made a mistake by registering a default on his credit file relating to this debt and it should remove it.our initial conclusionsOur adjudicator ... (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 DRN3748277
2 Jul 2013 HSBC Bank plc UpheldPayment protection insurance (PPI)summary of complaintThis complaint concerns two single premium payment protection insurance (PPI) policies purchased in connection with two unsecured loans obtained in 2001 and 2005 with HSBC Bank Plc.background to complaintMiss A purchased two single premium PPI policies in connection ... (3 pages)View decision -
Decision Reference DRN5971662
17 Jan 2019 Paragon Finance Plc Not upheldBanking and creditMr K complains about the manner in which he says Paragon Finance Plc trading as Idem Servicing is chasing him for a debt it says he owes. He says it hasn’t provided information he’s requested about the debt and he’s been threatened with legal action. He also compla... (3 pages)View decision -
Decision Reference DRN-2567142
10 Mar 2021 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-2567142 The complaint Mr M is unhappy as he feels Lowell Portfolio I Ltd (“Lowell”) has harassed him when contacting him about an outstanding debt. What happened Lowell purchased a debt from another business in 2016 which it understood Mr M was responsible for repaying. In November 201... (3 pages)View decision -
Decision Reference DRN5921507
21 Apr 2015 MKDP LLP Not upheldBanking and creditMr H complains that MKDP LLP is wrong to chase him for a debt that’s unenforceable and statute barred. And he says it should remove a default from his credit file. backgroundMr H says this debt is more than six years old and time barred under the Limitation Act 1980.... (2 pages)View decision -
Decision Reference DRN9570815
30 Apr 2015 Capquest Debt Recovery Limited Not upheldBanking and creditMs F complains that Capquest Debt Recovery Limited (Capquest) has recorded incorrect information on her credit file.backgroundMs F had a mail order debt with a third party that was sold to Capquest. Ms F has explained that the debt is unenforceable and so Capquest sh... (2 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 DRN3350398
9 Aug 2016 MEM Consumer Finance Limited Not upheldBanking and creditMiss T complains that MEM Consumer Finance Limited trading as PayDay UK (“PayDay UK”) has noted in her credit records that she hadn’t paid a payday loan in full. She wants the default marker removed from her credit records and compensation for her trouble and upset.... (2 pages)View decision -
Decision Reference DRN2221235
27 Oct 2017 Santander UK Plc Not upheldBanking and creditMr K complains that he’s been pursued for a debt, wrongly, in respect of debit balances that exist on several current and credit card accounts that were opened in June 2008 with Santander UK Plc.He doesn’t want to be held liable for the repayment of those debts. ba... (2 pages)View decision
