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 74386 results
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Decision Reference DRN-5816412
18 Sep 2025 Go Car Credit Limited Not upheldConsumer CreditDRN-5816412 The complaint Mr C complains about the way in which Go Car Credit Limited has handled his account after he fell into financial difficulties and suffered a series of mental health crises. What happened In November 2022 Mr C entered into a five-year hire purchase agreement wit... (4 pages)View decision -
Decision Reference DRN-3005100
29 Apr 2022 Target Servicing Limited Not upheldConsumer CreditDRN-3005100 The complaint Miss W complains that Target Servicing Limited is reporting incorrect data about her loan to credit reference agencies. What happened Target Servicing Limited (“Target”) is administering a debt owed by Miss W on behalf of a business I’ll call ‘C’. Miss W has been ... (2 pages)View decision -
Decision Reference DRN-3121714
22 Oct 2021 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3121714 The complaint Mr S is unhappy Moneybarn No. 1 Limited passed on a debt to a third party debt purchaser. What happened Mr S took a conditional sale agreement with Moneybarn in May 2018 to acquire a used car. Unfortunately, in October 2018 the car was written off and Mr S’s insur... (4 pages)View decision -
Decision Reference DRN-3559947
13 Oct 2022 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3559947 The complaint Mr A complains that Tesco Personal Finance PLC applied adverse information to his credit file when his debt management organisation didn’t make the agreed repayments. He says he did nothing wrong and wants his credit file amended. What happened In March 2021, Mr A... (3 pages)View decision -
Decision Reference DRN4403860
18 Jul 2018 Tesco Personal Finance PLC Not upheldBanking and creditMr L complains that a debt collection agency is asking him to pay money owed to Tesco Personal Finance Plc trading as Tesco Bank. But he says he doesn’t owe any money to Tesco Bank. And he complains about the way he’s been treated.To settle matters he’d like Tesco B... (4 pages)View decision -
Decision Reference DRN3891806
20 Feb 2015 National Westminster Bank Plc UpheldPayment protection insurance (PPI)Mrs A’s complaint is about how National Westminster Bank Plc (Nat West) used the compensation it offered for her complaint about two mis-sold payment protection insurance (PPI) policies. Mrs A wants Nat West to pay all the compensation directly to her.backgroundMrs A complained to Nat We... (4 pages)View decision -
Decision Reference DRN1773386
2 Jun 2017 National Westminster Bank Plc Not upheldBanking and creditMr J has complained that he wasn’t kept up to date by National Westminster Bank Plc (“NatWest”) about a debt he had with them.backgroundMr J took out a credit card with NatWest in 2006. Unfortunately he fell into financial difficulty in 2012 and wasn’t able to keep u... (2 pages)View decision -
Decision Reference DRN-5024638
3 Oct 2024 National Westminster Bank Plc Not upheldConsumer CreditDRN-5024638 The complaint Mr G complains that National Westminster Bank Plc led him to believe that his debts had been consolidated into one account, when they had not been, and that as a result he unexpectedly still owes a substantial debt. What happened Mr G had a mortgage, a personal... (3 pages)View decision -
Decision Reference DRN6483793
20 Oct 2016 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mrs N is complaining that Capital One (Europe) plc (Capital One) mis-sold her a payment protection insurance (PPI) policy. She’s unhappy that it’s used some of the compensation it’s offered her to reduce an outstanding debt.background Mrs N is complaining about a PPI po... (2 pages)View decision -
Decision Reference DRN-5500432
10 Jun 2025 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-5500432 The complaint Miss M complains Link Financial Outsourcing Limited are: Asking her to repay a debt she doesn’t know anything about Won’t provide evidence they’re entitled to ask her to pay the debt Have continued to harass her even after she’s told them the debt is noth... (2 pages)View decision
