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
-
Decision Reference DRN-5398693
20 Mar 2025 Metro Bank PLC Not upheldConsumer CreditDRN-5398693 The complaint Mr D complains that Metro Bank PLC trading as RateSetter was irresponsible when it offered him a loan. What happened RateSetter agreed a loan of £5,000 for Mr D in January 2023. The total amount owed was £5,883.12 to be repaid at £163.42 a month over 36 months... (5 pages)View decision -
Decision Reference DRN4191211
16 Feb 2021 Madison CF UK Limited UpheldBanking and creditMiss S complains that Madison CF UK Limited, trading as 118 118 Money, lent to her irresponsibly and without carrying out proper affordability checks. She would like all the fees and charges associated with the loan refunded. background In July 2018 118 118 Money approved a loan of £2,000 ... (4 pages)View decision -
Decision Reference DRN-2657126
30 Apr 2021 NCO Europe Limited Not upheldConsumer CreditDRN-2657126 The complaint Mr N complains NCO Europe Limited are harassing and intimidating him into repaying debts for two accounts that are unenforceable. The debts are owned by another company, but as Mr N’s concerns relate to NCO I’ve mainly referred to them in this decision. What happe... (3 pages)View decision -
Decision Reference DRN4576981
27 Apr 2016 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs J complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (L&G).backgroundIn 2008 L&G made a recommendation to Mr and Mrs J for a remortgage. They say the remortgage increased their... (3 pages)View decision -
Decision Reference DRN3215445
10 Jun 2014 Legal & General Partnership Services Limited Not upheldBanking and creditThrough their representative, a claims management company, Mr and Mrs J complain that they were mis-sold a mortgage by an authorised representative of Legal & General Partnership Services Ltd (“L&G”).backgroundMr and Mrs J had a mortgage. They received advice in 2006 on a re-m... (2 pages)View decision -
Decision Reference DRN8518692
14 Aug 2015 HFC Bank Limited Not upheldPayment protection insurance (PPI)Mr M complains that he was mis-sold a payment protection insurance policy (PPI) with a loan with HFC Bank Limited (HFC).backgroundMr M took out a loan with HFC in 1998. The loan was originally in joint names with his late father. In 2003 HFC rewrote the debt to remov... (3 pages)View decision -
Decision Reference DRN-3989164
4 Jul 2023 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-3989164 The complaint Mrs G complains that Lantern Debt Recovery Services Ltd (Lantern) purchased her debt of a loan from the administrators of the loan company, when it was still in dispute, and are pursuing recovery of the debt. What happened Mrs G took out a loan with a loan company... (2 pages)View decision -
Decision Reference DRN-5421696
24 Mar 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5421696 The complaint Mrs W complains Cabot Credit Management Group Limited have contacted her regarding a debt for an account she doesn’t believe they have authority to do so. Mrs W is also concerned that she’s told Cabot she’s vulnerable, but they’ve continued contacting her when ... (4 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 DRN1042585
4 Oct 2018 Cheltenham & Gloucester plc Not upheldBanking and creditMr and Mrs S complain that Cheltenham & Gloucester plc (“C & G”) mis-sold them further advances under their mortgage to them when this wasn’t suitable to meet their needs. They want matters put right. backgroundMr and Mrs S had an interest only mortgage with ... (2 pages)View decision