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 71923 results
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Decision Reference DRN-4771780
9 Jun 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4771780 The complaint Miss G complains that Zopa Bank Limited (“Zopa”) defaulted her account and sold the debt to a third party. What happened Miss G applied for a loan with Zopa on 14 February 2020. The loan was for the sum of £20,000 with monthly repayments of £375.88 due on the 14 t... (2 pages)View decision -
Decision Reference DRN7393652
5 Mar 2019 Cabot Credit Management Group Limited UpheldBanking and creditMr G complains Cabot Credit Management Group Limited has been pursuing him for debts he says he doesn’t owe. He wants it to provide proof of the debts or stop chasing him.background Mr G tells us Cabot has been chasing him for several debts - but hasn’t sent him b... (2 pages)View decision -
Decision Reference DRN-5112655
14 Nov 2024 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-5112655 The complaint Ms S complains that Capquest Debt Recovery Limited (Capquest) unfairly continued to pursue repayment of a debt after it told her that it had marked her account as settled and closed on a goodwill basis in January 2021. What happened Ms S had an outstanding cred... (5 pages)View decision -
Decision Reference DRN6596078
22 May 2014 Bradford & Bingley Plc Not upheldBanking and creditMr and Mrs W complain that Bradford & Bingley Plc continues to pursue them for the shortfall on their mortgage following repossession of their property.backgroundMr and Mrs W had a mortgage with Bradford & Bingley. In 1991, their property was repossessed and sold, leaving a sub... (3 pages)View decision -
Decision Reference DRN2918918
24 Nov 2016 Ashley Park Debt Solutions Limited Not upheldBanking and creditMiss G complains that Ashley Park Debt Solutions Limited, trading as Ashley Park Financial Solutions, (“APDSL”), didn’t provide her with appropriate information when she entered into a debt management plan (“DMP”) with it. The complaint is brought to this service on Mis... (2 pages)View decision -
Decision Reference DRN-3465666
6 May 2022 Barclays Bank UK PLC Not upheldConsumer CreditDRN-3465666 The complaint Mr K complains that Barclays Bank UK PLC made an irresponsible lending decision when it provided him with a loan. And it’s failed to treat him fairly when he’s later found himself in financial difficulties. What happened Mr K took out a personal loan with Barclays... (4 pages)View decision -
Decision Reference DRN1600770
10 Oct 2017 Santander UK Plc UpheldBanking and creditMr A complains that Santander UK Plc didn’t actively pursue him for a debt for three years. He says this meant he didn’t have an opportunity to repay it under his debt management plan (DMP).backgroundMr A took out a loan in 2009 for £8,000 with Santander. The account fel... (2 pages)View decision -
Decision Reference DRN9216128
22 May 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs Q complain that Legal & General Partnership Services Limited mis-sold them a mortgage. The complaint is brought on their behalf by a claims management company.backgroundWhen Mr and Mrs Q sought advice from Legal & General, it recommended they borrowe... (3 pages)View decision -
Decision Reference DRN5646941
25 Mar 2020 PayPal Europe Sarl & Cie, SCA UpheldBanking and creditComplaintMrs D is unhappy that PayPal Europe Sarl & Cie, SCA held her responsible for a debt shesays she didn’t apply for or benefit from.BackgroundMrs D says she received a letter from a third party company on behalf of PayPal. The lettersaid she’d missed a payment on a debt held with... (2 pages)View decision -
Decision Reference DRN4710252
30 Jan 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs R complain that Legal & General Partnership Services Limited advised them to consolidate a loan and credit card debt into a mortgage and recommended a more expensive mortgage than was necessary. They are assisted in bringing their complaint by a claims management company.b... (2 pages)View decision
