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 DRN-3904057
27 Jan 2023 Oplo PL Ltd UpheldConsumer CreditDRN-3904057 Complaint Mrs J has complained that Oplo PL Ltd (“Oplo”), amongst other things, unfairly continued adding interest, fees and charges to her loan after she lost her job and went into a debt management plan. Background Oplo provided Mrs J with a loan for £10,000.00 in May 2017. T... (7 pages)View decision -
Decision Reference DRN8932553
20 Jul 2017 Debitum Limited UpheldBanking and creditMr K’s complained about a debt management plan he entered into with Debitum Limited. He’s unhappy that despite paying £200 a month, only some of this was being passed to his creditors. And in the end his debts weren’t cleared.backgroundMr K entered into a debt ma... (3 pages)View decision -
Decision Reference DRN2176199
2 Dec 2014 Lloyds Bank PLC Not upheldBanking and creditMrs W complains about overdrafts and loans provided by Lloyds Bank PLC and the way it has gone about recovering money owed. backgroundMrs W and her husband were involved in a business which started to get into difficulties in 2005. They had a number of joint accounts and accounts in ... (2 pages)View decision -
Decision Reference DRN-4139257
10 Oct 2023 HSBC UK Bank Plc Not upheldMortgagesDRN-4139257 The complaint Mr G’s complaint about HSBC UK Bank Plc (HSBC) relates to its attempts to recover a shortfall balance on his mortgage account following the sale of his property in March 2013. What happened Mr G had a mortgage secured on a property I shall call M Rd. This property... (3 pages)View decision -
Decision Reference DRN2692633
4 May 2017 Capital One (Europe) plc UpheldBanking and creditMr C is unhappy that Capital One (Europe) plc has registered a default against his credit record even though there’s an agreed debt management programme (DMP) in place. His other lenders haven’t registered a default and he doesn’t think that Capital One has followed indu... (4 pages)View decision -
Decision Reference DRN5544304
30 Sep 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMiss T complains that Harrington Brooks (Accountants) Limited mis-sold her a debt management plan. The complaint is brought on her behalf by a claims management company. It says a debt relief order would have been more suitable.backgroundMiss T sought advice from anot... (2 pages)View decision -
Decision Reference DRN2903027
20 Jan 2015 Capquest Debt Recovery Limited Not upheldBanking and creditMr R complains about a debt that Capquest Debt Recovery Limited is seeking repayment of. He is unhappy the debt was passed to Capquest without his knowledge and he refuses to accept Capquest’s demands for payment as he is still paying the original creditor. background Capquest was ap... (2 pages)View decision -
Decision Reference DRN-4434996
16 Feb 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4434996 The complaint Mr W complains Vanquis Bank Limited sold his credit card account to a debt purchaser despite having a payment arrangement in place. What happened Mr W has said he opened the account in 2017 and after getting into difficulties set up a payment plan which had repaid... (2 pages)View decision -
Decision Reference DRN6237679
30 Sep 2013 Santander Cards UK Limited Not upheldBanking and creditMr R complains that Santander Cards UK Limited passed his account to another company without telling him. He says that a member of his family paid off the debt, although he is still being asked to repay it, and that it has also increased significantly. Mr R wants Santander to reduce the ... (2 pages)View decision -
Decision Reference DRN-3701817
4 Oct 2022 PayPal (Europe) Sarl et Cie SCA Not upheldBanking and PaymentsDRN-3701817 The complaint Mrs A complains about the actions of PayPal (Europe) Sarl et Cie SCA with respect to a negative balance on her account. What happened In early 2022, Mrs A made a payment to a travel company via PayPal. She says the money was transferred from her linked bank accoun... (4 pages)View decision
