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 77095 results
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Decision Reference DRN5056685
25 Aug 2015 Sterling Financial Security Ltd UpheldBanking and creditMr O complains Sterling Financial Security Ltd handled his debt management plan badlybackgroundIn 2012 Mr O asked Sterling Financial Security (trading as “Best Solutions”) to help with a debt management plan. Best Solutions agreed to do so.Mr O says he had a number o... (2 pages)View decision -
Decision Reference DRN8817647
5 Nov 2014 Cabot Financial (Europe) Limited Not upheldBanking and creditMrs B complains that Cabot Financial (Europe) Limited (“Cabot”) phoned her an excessive number of times from October 2013 to chase her debt repayments. Mrs B is also unhappy that despite her offer to settle the debt with a one-off payment for an amount less than the debt, Cabot still as... (2 pages)View decision -
Decision Reference DRN6530416
11 Jun 2015 CitiFinancial Europe Plc UpheldBanking and creditMr D is unhappy that CitiFinancial Europe Plc sold a debt to a third party debt collection company even though Mr D had repaid it in full. Mr D wants CitiFinancial to compensate him for his trouble and upset.backgroundIn 2008, Mr D defaulted on his CitiFinancial loa... (2 pages)View decision -
Decision Reference DRN-3505684
30 Jun 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3505684 The complaint Mr N says AvantCredit of UK, LLC irresponsibly lent to him. What happened Mr N took out a 24-month instalment loan for £7,000 from AvantCredit on 15 May 2016. The monthly repayments were £426.48 and the total repayable was £10,235.56. Mr N says the lender did not ... (5 pages)View decision -
Decision Reference DRN-1563095
4 Jun 2020 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-1563095 The complaintMs B made a request to Lloyds Bank PLC for copy statements. Ms B is unhappy that these statements were then sent to the debt collection agency who currently owned the debt, rather than to her directly. As a result of Lloyds disclosing this information to the debt c... (2 pages)View decision -
Decision Reference DRN-3148710
9 Nov 2021 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-3148710 The complaint Ms Q complains about a debt Lowell Portfolio I Ltd says she owes. She also complains about how she is being chased for the debt. In this decision, where I have referred to ‘Lowell’ I am referring to Lowell Portfolio I Ltd. Where I have referred to Ms Q in this dec... (4 pages)View decision -
Decision Reference DRN9050842
11 Jun 2015 Capital One (Europe) plc UpheldBanking and creditMr M complains that Capital One (Europe) plc didn’t respond when a debt management charity tried to reach a repayment agreement on his behalf.backgroundMr M asked a debt management company to support him in paying off his debts. He says that everyone he owed money t... (2 pages)View decision -
Decision Reference DRN-4451793
13 Nov 2023 Progressive Money Limited Not upheldConsumer CreditDRN-4451793 The complaint Miss C complains that Progressive Money Limited (‘Progressive’) irresponsibly gave her a loan that she couldn’t afford in August 2017. What happened In 2017, Miss C applied for a loan with Progressive. The loan amount was £5,000, the term was 48 months and the mon... (3 pages)View decision -
Decision Reference DRN0014693
2 Aug 2017 Capquest Debt Recovery Limited Not upheldBanking and creditMrs C complains that Capquest Debt Recovery Limited hasn’t sufficiently shown that it owns a debt on which it has asked her to make payments.backgroundIn March 2017 Mrs C wrote to Capquest asking it to prove that it was the legal owner of a debt that accrued on a cr... (2 pages)View decision -
Decision Reference DRN-4858590
4 Dec 2024 Oakwood Homeloans Limited UpheldMortgagesDRN-4858590 The complaint Mr P complains that Oakwood Homeloans Limited is pursuing him for outstanding debt following the repossession and sale of his buy-to-let properties in 2016. The mortgages were secured against the properties but the sales left a shortfall that remains outstandin... (5 pages)View decision