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 74313 results
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Decision Reference DRN3786976
3 Jul 2014 Northern Bank Limited UpheldPayment protection insurance (PPI)This complaint concerns the redress related to single premium payment protection insurance policies (PPI) associated with two loans from Northern Bank Limited (Northern Bank). Northern Bank wants to set the redress due to Miss J against an outstanding debt on her credit card with Norther... (3 pages)View decision -
Decision Reference DRN-5718125
20 Oct 2025 DEBT CORRECT Not upheldConsumer CreditDRN-5718125 The complaint Mr G complains Debt Correct haven’t administered his Debt Management Plan (DMP) properly leading to missed payments being reported on his credit file. What happened The information I have shows Mr G entered into the DMP around November 2023. I’ve taken this fro... (2 pages)View decision -
Decision Reference DRN-3755089
20 Oct 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3755089 The complaint Via a professional representative, Mr and Mrs C complain that Everyday Lending Limited, trading as Everyday Loans, lent to them irresponsibly and without carrying out proper affordability checks. They would like all the fees and charges associated with the loan re... (3 pages)View decision -
Decision Reference DRN-4205932
29 Jun 2023 Barclays Bank UK PLC Not upheldConsumer CreditDRN-4205932 The complaint Ms D complains that Barclays Bank UK PLC was irresponsible in its lending to her. What happened Ms D was provided with a loan for £17,200 in April 2017 on which she was required to make 60 monthly repayments of around £447. Ms D says she was in financial difficult... (3 pages)View decision -
Decision Reference DRN0962284
26 Nov 2014 Firstplus Financial Group Plc Not upheldBanking and creditMr D has complained about information registered in his credit file by Firstplus Financial Group Plc, which Mr D says is inaccurate.backgroundMr D had a loan with Firstplus which was secured on his home as a second charge. Unfortunately Mr D was made bankrupt in August 2012. The bankru... (2 pages)View decision -
Decision Reference DRN9484399
14 Nov 2016 MKDP LLP UpheldBanking and creditMr B complains that MKDP LLP, (“MKDP”), is pursuing him for two statute barred debts, it didn’t respond to his complaint letter, and it has recorded the wrong amount for one of his debts.backgroundMr B had two accounts with a lender (“L”) which were sold to MKDP in J... (3 pages)View decision -
Decision Reference DRN7291073
2 Nov 2016 GE Money Home Lending Limited Not upheldBanking and creditMs G complains in her capacity as administrator of the estate of her late mother (who I will call Miss G, for the sake of clarity). Ms G is also the sole beneficiary of the estate. She is assisted in bringing the complaint by solicitors.Ms G’s complaint is abou... (3 pages)View decision -
Decision Reference DRN-4000326
20 Mar 2023 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-4000326 The complaint Mrs S complains that Lantern Debt Recovery Services Ltd is unfairly pursuing her for an outstanding debt. What happened In March 2022 Lantern purchased a debt in Mrs S’ name from another business I’ll call C. Mrs S has explained that she had an account with C but... (2 pages)View decision -
Decision Reference DRN6011440
3 Apr 2014 Cheltenham & Gloucester plc Not upheldBanking and creditMr T complains – through his representative – that Cheltenham & Gloucester Plc (‘C & G’) mis-sold his mortgage.backgroundIn March 2003 Mr T (aged 48) took out a repayment mortgage from C & G for £65,000 over 15 years. The initial monthly payment was £488. The purpose o... (2 pages)View decision -
Decision Reference DRN-3328258
29 Jun 2022 Santander UK Plc UpheldConsumer CreditDRN-3328258 The complaint Mrs H complains that Santander UK Plc (“Santander”) continued to contact and harass her for repayments to her personal loan despite a debt management plan having been agreed. What happened Mrs H applied to Santander for a personal loan of £3,000 in July 2019. Sant... (3 pages)View decision
