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 74313 results
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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 DRN-2893223
24 Jun 2021 PayPal Europe Sarl & Cie, SCA Not upheldBanking and PaymentsDRN-2893223 The complaint Mr G complains that PayPal Europe Sarl & Cie, SCA made it difficult for him to return money to PayPal which they accidently refunded him and threatened him with a debt collection agency. What happened Mr G received refunds totalling £1,150 as a result of an er... (5 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 DRN1493007
23 Jan 2018 Bank of Scotland Plc Not upheldBanking and creditMr F complains that Bank of Scotland plc (trading as Halifax) has transferred his debt to agents to manage.backgroundMr F told us that his circumstances changed suddenly a few years ago. He agreed a repayment plan with Halifax to pay back some money he owed on a ... (4 pages)View decision -
Decision Reference DRN2757113
22 Feb 2017 TSB Bank plc Not upheldBanking and creditMr C complains that TSB Bank plc sold his credit card debt to a debt collection agency.background Mr C lost his job and fell into financial difficulties. He had a significant credit card debt and in June 2016 entered into an arrangement with the bank to pay £5 per... (1 page)View decision -
Decision Reference DRN-3466692
4 Aug 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3466692 The complaint Mr I complains that Barclays Bank UK PLC trading as Barclaycard (Barclaycard) lent to him irresponsibly. What happened Mr I was given a credit card by Barclaycard in November 2017. The limit was £3,800 and this wasn’t increased. Towards the end of 2020, minimum p... (4 pages)View decision -
Decision Reference DRN7958993
13 Jul 2016 Vincent Bond & Co. Limited Not upheldBanking and creditMr F complains that Vincent Bond & Co Limited mis-sold a debt management plan.He has complained through a third party, but for ease of reading this decision has been drafted as if the complaint was made by Mr F.backgroundMr F complains that Vincent Bond didn’t ... (2 pages)View decision -
Decision Reference DRN2102426
3 Oct 2014 Black Horse Limited Not upheldPayment protection insurance (PPI)Mr W and Miss H’s complaint concerns two loans, one secured one unsecured taken with Black Horse Limited. They consider that the amount they repaid to a secured loan when settling it early was too high – and that Black Horse failed to properly explain the early settlement provisions or... (3 pages)View decision -
Decision Reference DRN6802064
1 Feb 2018 Elevate Credit International Limited UpheldBanking and creditMr P complains that he obtained credit and took out loans with Elevate Credit International Limited (trading as Sunny) in 2014 and 2015. He says that he couldn’t afford these loans. Mr P also complains that it wasn’t right for Sunny to pass his debts to a debt collect... (9 pages)View decision -
Decision Reference DRN5389552
13 Jun 2017 Motormile Finance UK Limited Not upheldBanking and creditMr L complains that Motormile Finance UK Limited is chasing him for repayment of a debt which he says he disputed. He says Motormile recorded a default on his credit file and delayed replying to his complaint. He wants the default removed and the debt written off.ba... (2 pages)View decision
