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 77095 results
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Decision Reference DRN-4954680
24 Oct 2024 Evolution Money Limited Not upheldMortgagesDRN-4954680 The complaint Mr and Mrs W complain that Evolution Money Limited gave them unsuitable advice to take out a second charge mortgage (secured loan). What happened In March 2022, Mr and Mrs W took advice from Evolution about taking out a secured loan to consolidate existing unse... (3 pages)View decision -
Decision Reference DRN5547661
24 Feb 2015 MKDP LLP Not upheldBanking and creditMr A considers that MKDP LLP must prove he owes it a debt or stop pursuing him for it.our initial conclusionsOur adjudicator said that based on what he had seen the debt does belong to Mr A. Therefore he could not recommend that we should uphold the complaint.MKDP accepted this recomme... (1 page)View decision -
Decision Reference DRN7564144
30 Apr 2014 HSBC Bank plc Not upheldBanking and creditMr F and Mr Y complain that HSBC Bank plc forced them to take out a consolidation loan that they could not afford. They ask that HSBC waives the interest on the loan.backgroundMr F and Mr Y took out a business loan and overdraft with HSBC in 2007. They did not maintain payments and ... (2 pages)View decision -
Decision Reference DRN-2040838
22 Jan 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2040838 The complaint Mrs M is unhappy with how NewDay Ltd (trading as Aqua) handled her credit card account when it went into arrears. What happened Mrs M fell into arrears with her Aqua credit card in May 2019. She contacted NewDay at the beginning of May 2019 to explain she’d lost h... (2 pages)View decision -
Decision Reference DRN8425734
10 May 2018 Tesco Personal Finance PLC Not upheldBanking and creditMr B complains that Tesco Personal Finance Plc took back all at once the whole amount of a refund it had previously given him, which made his financial difficulties worse. backgroundMr B told Tesco that a number of ATM withdrawals on his card were fraudulent. Tesco ... (2 pages)View decision -
Decision Reference DRN2799615
23 Dec 2014 Haydon Associates Debt Management Consultants Ltd UpheldBanking and creditMrs B complains about the way which Haydon Associates Debt Management Consultants Ltd (‘Haydon’) has run her debt management plan (‘DMP’). In summary, she says it passed very little of her monthly payments on to her creditors, and took excessive fees. backgroundIn summary, Haydon says t... (2 pages)View decision -
Decision Reference DRN-5796648
4 Sep 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5796648 The complaint Miss N complains Cabot Credit Management Group Limited have marked her debt with ‘refusal to pay’ when she has made an offer. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant elem... (2 pages)View decision -
Decision Reference DRN-4929000
9 Dec 2024 TenetLime Ltd Not upheldMortgagesDRN-4929000 The complaint The estate of Mr M complains that TenetLime Ltd gave unsuitable advice to Mr M to remortgage his property. What happened Mr M met with a broker authorised by TenetLime in November 2018. A residential mortgage questionnaire was completed which showed Mr M was re... (6 pages)View decision -
Decision Reference DRN1997754
7 Aug 2019 Legal & General Partnership Services Limited Not upheldBanking and creditMr L complains about advice he was given by AWD Home Finance Limited, a broker and appointed representative of Legal & General Partnership Services Limited. He says he was mis-sold a mortgage. A complaints management company (CMC) has brought this complaint on behalf of Mr L.background... (2 pages)View decision -
Decision Reference DRN8360780
17 Apr 2015 The Debt Dissolver Ltd UpheldBanking and creditMr M has complained that The Debt Dissolver Ltd did not correctly distribute the payments he made to it under a debt management plan. Further, it has not responded to any of his concerns regarding this.backgroundMr M explained he has been making payments to The ... (2 pages)View decision