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 70898 results
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Decision Reference DRN2203416
29 Nov 2018 BW Legal Services Limited Not upheldBanking and creditMr C complains about the actions of BW Legal Services Limited (“BWL”) in seeking to recover a debt from him on behalf of a client.backgroundMr C says BWL shouldn’t be chasing him for the debt while his complaint about the original lending is being considered. And h... (2 pages)View decision -
Decision Reference DRN7838154
29 Oct 2013 Hillesden Securities Limited Not upheldBanking and creditMrs E wants Hillesden Securities Limited to discontinue collection activity on a debt she says is unenforceable. Mrs E also says Hillesden has harassed her. Mrs E is represented in this complaint by Mr J. References to Mrs E should be taken to include submissions made by her representa... (2 pages)View decision -
Decision Reference DRN-5381782
2 May 2025 NCO Europe Limited UpheldConsumer CreditDRN-5381782 The complaint Mr C is unhappy with the service he has received from NCO Europe Limited (NCO) which relates to his fixed sum loan agreement. What happened In June 2024 Mr C’s original creditor sold his debt to Company A. To service the debt on its behalf, Company A appointe... (2 pages)View decision -
Decision Reference DRN3202647
25 Oct 2013 MBNA Limited Not upheldBanking and creditMr J is unhappy that his request to have his credit card debt written off was declined by MBNA Limited and a confusing counter offer made by it. Mr J is suffering from cancer and is unhappy that MBNA did not respond to his correspondence.background Mr J has held a credit card with MBNA si... (2 pages)View decision -
Decision Reference DRN-4193718
15 Nov 2023 Great Lakes Insurance SE Not upheldInsuranceDRN-4193718 The complaint A group of limited companies, that I will refer to collectively as T, complain about decision of Great Lakes Insurance SE to decline their commercial insurance claim and void their policy. What happened The following is intended only as a brief summary of events. ... (5 pages)View decision -
Decision Reference DRN4535412
17 May 2018 Gain Credit LLC UpheldBanking and creditMr H complains that Gain Credit LLC, trading as Lending Stream, gave him loans he couldn’t afford to repay.backgroundMr H took out the following instalment loans with Lending Stream:date£ amount borroweddate repaid11 December 20111352 February 2012230 December 20112658 Febru... (3 pages)View decision -
Decision Reference DRN7510737
26 Oct 2018 Tesco Personal Finance PLC Not upheldPayment protection insurance (PPI)Mrs A has complained about the way Tesco Personal Finance PLC (“Tesco”) wants to use compensation following a complaint about payment protection insurance (“PPI”).backgroundMrs A took out a credit card with Tesco in 2000 and had a PPI policy attached to it. In 2012 she... (2 pages)View decision -
Decision Reference DRN3165931
7 Jun 2016 Victorstone Financial Limited UpheldBanking and creditMr H complains that Victorstone Financial Limited has mis-managed his debt management plan and cannot account for all the money he has paid to it.backgroundMr H entered into a debt management plan with Victorstone in 2012. This involved his making a monthly lump sum pay... (3 pages)View decision -
Decision Reference DRN8185743
22 Jun 2017 Paragon Bank Plc Not upheldBanking and creditMrs F is complaining about the way Paragon Bank Plc trading as Moorgate Loan Servicing (Moorgate) recorded information on her credit file. backgroundIn 2012, Moorgate purchased Mrs F’s credit card account from another company. She’d previously agreed a debt management ... (2 pages)View decision -
Decision Reference DRN0987390
29 Dec 2015 HCC International Insurance Company Plc Not upheldInsurance (excluding PPI)S, a company complains that HCC International Insurance Company Plc won’t pay the full amount of the debt, subject to policy limits, owing to it from an insolvent company under its Constructor whole turnover Credit policy.backgroundIn March 2015 S made a claim to HCC fo... (2 pages)View decision
