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 69825 results
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Decision Reference DRN5298169
22 Jan 2016 Coventry Building Society Not upheldBanking and creditMr and Mrs D complain that Coventry Building Society wouldn’t lend them more money. They also felt a member of Coventry’s staff was rude on the phone. They want Coventry to lend them the money.backgroundMr and Mrs D had a mortgage with Coventry and wanted to borrow... (2 pages)View decision -
Decision Reference DRN-4529263
22 Dec 2023 Salary Finance Limited UpheldConsumer CreditDRN-4529263 The complaint Mr H complains that Salary Finance Limited irresponsibly agreed a loan for him. What happened Salary Finance agreed a loan of £7,000 for Mr H in August 2022. The total amount owed was £10,775 to be repaid at £180 a month over 60 months (figures rounded). I underst... (3 pages)View decision -
Decision Reference DRN3184698
8 Jul 2019 Link Financial Outsourcing Limited UpheldBanking and creditMr B says Link Financial Outsourcing Limited is chasing him for a debt that doesn’t exist. backgroundIn 2015, Mr B took a store card with another business as it entitled him to a discount on a purchase. He says he only used it for that purchase. He’s provided an account statement dated 21 ... (2 pages)View decision -
Decision Reference DRN3976848
21 Feb 2018 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs R have complained that Bank of Scotland plc, trading as Halifax, applied a default to their credit file about an outstanding balance. They weren’t aware of this and would like the bank to remove the defaults. backgroundMr and Mrs R had disputed a £10,000... (2 pages)View decision -
Decision Reference DRN-2465791
7 Jan 2021 NewDay Ltd UpheldConsumer CreditDRN-2465791 The complaint Mr C complains that NewDay Limited (NewDay) sold his debt to a debt collection agency without giving notice and while an agreed payment plan was in place. What happened Mr C had a loan account with NewDay and due to a change in his financial circumstances he agree... (3 pages)View decision -
Decision Reference DRN7309709
30 Jul 2014 The Funding Corporation Limited UpheldPayment protection insurance (PPI)and backgroundThis complaint relates to the sale of two single premium Payment Protection Insurance (‘PPI’) policies, sold in conjunction with personal loans in May and November 2005. Mr B complains The Funding Corporation Limited (‘TFC’) mis-sold the policies.Our adjudicator considere... (3 pages)View decision -
Decision Reference DRN4015976
6 Mar 2019 Tesco Personal Finance PLC UpheldPayment protection insurance (PPI)Mr O is unhappy with what Tesco Personal Finance Plc (Tesco) have offered to do to put things right following his complaint about the sale of payment protection insurance (PPI).backgroundIn November 2000, Mr O applied for PPI to protect the payments towards a cred... (3 pages)View decision -
Decision Reference DRN3272311
27 May 2016 Cabot Financial (UK) Limited Not upheldBanking and creditMs B complains that Cabot Financial (UK) Limited is pursuing her for a debt on a store card that she says she didn’t own or use.background Ms B was being pursued in 2008 for a debt on a store card account but she says that the debt isn’t hers. The debt was assi... (2 pages)View decision -
Decision Reference DRN3464872
12 Jul 2019 National Westminster Bank Plc UpheldBanking and creditMrs M complains about National Westminster Bank Plc (“NatWest”) for issuing a loan to her in early 2016. She says that she was struggling financially at the time and that NatWest encouraged her to take a loan which she could not realistically afford. She wants the loan to be marked as unre... (2 pages)View decision -
Decision Reference DRN0678742
10 Dec 2015 Motormile Finance UK Limited UpheldBanking and creditMr R complains about Motormile Finance UK Limited’s customer service. He says its contact with him has been excessive and aggressive. background Motormile is a debt collector. It has bought a number of Mr R’s debts. Mr R complains about Motormile’s contact with him. H... (2 pages)View decision
