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 70772 results
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Decision Reference DRN5898916
1 Nov 2018 Link Financial Outsourcing Limited UpheldBanking and creditMr S complains that Link Financial Outsourcing Limited mishandled his debt and failed to honour agreements. backgroundMr S had debt which I believe he thought was being paid by his former girlfriend, but she had left the county and the bank sold the account to Link.... (2 pages)View decision -
Decision Reference DRN7795519
5 Aug 2014 Capquest Investments Limited Not upheldBanking and creditMr Q complains that Capquest Investments Limited (“Capquest”) unfairly applied a default to his credit file for a debt, for which a county court judgement (“CCJ”) had already been registered on his file by the original creditor. He did not think it fair that Capquest was able to register... (2 pages)View decision -
Decision Reference DRN2650559
30 Nov 2015 MBNA Limited Not upheldBanking and creditMr M complains that MBNA Limited sold a debt to a third party agency without informing him of the debt or that it would be selling it.backgroundIn 2013, Mr M informed all his creditors that he was in financial difficulties. Mr M says that he contacted MBNA and a... (2 pages)View decision -
Decision Reference DRN5646941
25 Mar 2020 PayPal Europe Sarl & Cie, SCA UpheldBanking and creditComplaintMrs D is unhappy that PayPal Europe Sarl & Cie, SCA held her responsible for a debt shesays she didn’t apply for or benefit from.BackgroundMrs D says she received a letter from a third party company on behalf of PayPal. The lettersaid she’d missed a payment on a debt held with... (2 pages)View decision -
Decision Reference DRN6378535
10 Jan 2017 House & Home Care Limited Not upheldBanking and creditMr and Mrs A complain that House & Home Care Limited, trading as Immediate Financial, (“IF”), overcharged them in terms of their fees and hadn’t assisted them in paying their debtsbackgroundMr and Mrs A initially entered into a debt management plan (“DMP”) with... (2 pages)View decision -
Decision Reference DRN-4815131
26 Jul 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4815131 The complaint Mr M complains Monzo Bank Ltd unfairly defaulted an overdraft debt and are reporting this to credit reference agencies. Mr M is also unhappy with the level of customer service he received from Monzo. What happened Mr M held a bank account with an overdraft fac... (5 pages)View decision -
Decision Reference DRN1581772
25 Jun 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr P complains that he was given unsuitable mortgage advice to consolidate an unsecured debt by an appointed representative of Legal & General Partnership Services Limited (L&G).backgroundMr P wanted to raise money for home improvements and re-mortgaged in 2005... (2 pages)View decision -
Decision Reference DRN1125653
29 Mar 2021 Everyday Lending Limited Not upheldBanking and creditIn summary, Mr D has complained that Everyday Lending Limited (ELL) provided him with a loan that he wasn’t able to afford. background In April 2018 ELL provided Mr D a loan for £3,000 repayable over two years. It was a high interest loan with an interest rate of 127.1% APR. The total char... (5 pages)View decision -
Decision Reference DRN-3182919
18 Jan 2022 Debt Managers (Services) Limited UpheldConsumer CreditDRN-3182919 The complaint Mr M has complained that Debt Managers (Services) Limited have been reporting incorrect information on his credit file. What happened This complaint is about a consumer credit agreement which defaulted in 2016 and was acquired by Debt Managers in 2017. In March 20... (2 pages)View decision -
Decision Reference DRN6604117
20 Aug 2013 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)This complaint is about a consolidation loan taken out in 2009. Miss A says that National Westminster Bank Plc – (NatWest) – advised her wrongly by telling her the loan had more chance of being approved if she gave the reason for the loan as a holiday or home improvements rather than co... (2 pages)View decision
