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 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 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 -
Decision Reference DRN5871635
20 Mar 2017 Lloyds Bank PLC Not upheldBanking and creditA, a partnership, complain that Lloyds Bank PLC have wrongly maintained a charge over their property in relation to a debt which A say has already been cleared.backgroundA took out a loan with Lloyds, secured over some of their property. They raise some issues regar... (2 pages)View decision -
Decision Reference DRN-4685065
5 Sep 2024 Erudio Student Loans Limited Not upheldConsumer CreditDRN-4685065 The complaint Miss R complains that Erudio Student Loans Limited lost her deferment paperwork and won’t acknowledge that two of the loans she took out are statute barred. What happened Miss R had outstanding student loans which Erudio bought from the original lender. Erudio ... (3 pages)View decision -
Decision Reference DRN0277325
28 Sep 2015 Sterling Financial Security Ltd UpheldBanking and creditMr H complains about a debt reduction plan he took out with Sterling Financial Security Ltd trading as Best Solution. He’s paid them a monthly amount since 2008. He recently realised Best Solution was keeping most of his money. They’d made only token payments to the com... (2 pages)View decision -
Decision Reference DRN-3648855
29 Sep 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3648855 The complaint Mr P, through his representative, complains that Everyday Lending Limited, trading as Everyday Loans, lent to him when he could not afford it. What happened Mr P took one loan of £2,000 repayable over 24 months from 20 March 2018 and the monthly repayments were to... (5 pages)View decision -
Decision Reference DRN6325516
15 Dec 2016 Cabot Financial (Europe) Limited UpheldBanking and creditMr U complains that Cabot Financial (Europe) Limited, (“CFL”), won’t supply him with copies of credit agreements or any other documentation about the debts they are pursuing him for. The complaint is brought to this service by a member of Mr U’s family, but for ease... (3 pages)View decision -
Decision Reference DRN-4832771
27 Aug 2024 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4832771 The complaint Mr M complains that The Royal Bank of Scotland Plc (RBS) incorrectly recorded negative information on his credit file. He would like this removed and to be compensated for his stress and inconvenience. What happened Mr M held a current account and a credit card... (3 pages)View decision -
Decision Reference DRN-3672901
30 Aug 2022 Santander UK Plc Not upheldMortgagesDRN-3672901 The complaint Ms H complains that Santander UK Plc (“Santander”) agreed to take the proceeds of a shortfall sale as full and final settlement of her mortgage but later passed the residual balance on to a debt collection agent. What happened Ms H took out an interest-only mortga... (5 pages)View decision -
Decision Reference DRN-4685619
18 Mar 2024 RCI Financial Services Limited Not upheldConsumer CreditDRN-4685619 The complaint Miss S has complained that RCI Financial Services Limited (“RCI”) wants to repossess the car that she acquired in December 2020 using a hire purchase agreement, even though she says there is an arrangement in place to repay arrears on the agreement. What happened ... (7 pages)View decision
