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 71923 results
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Decision Reference DRN-4900062
6 Sep 2024 Experian Limited Not upheldConsumer CreditDRN-4900062 The complaint Mr L complains about negative information recorded on his credit file with Experian Limited. What happened A business I’ll refer to as P is recording a default on Mr L’s credit file in relation to a closed credit card. The original debt came about by way of a ... (2 pages)View decision -
Decision Reference DRN8358407
23 Aug 2016 Blue Finance Management Limited UpheldBanking and creditMr K complains that Blue Finance Management Limited trading as Debtplan Direct signed him up to a debt reduction plan without telling him the costs or what his other options were. He says he ended up taking longer to pay off his debts and wants the fees he’s paid... (2 pages)View decision -
Decision Reference DRN-4404022
20 Oct 2023 Evolution Lending Limited UpheldMortgagesDRN-4404022 The complaint Mr H complains that Evolution Lending Limited irresponsibly lent him a second charge mortgage (secured loan). What happened In 2019, Mr H took out a second charge mortgage with Evolution. He borrowed money to consolidate and repay existing debts elsewhere. He borr... (5 pages)View decision -
Decision Reference DRN4242606
26 Jun 2014 Barclays Bank Plc UpheldPayment protection insurance (PPI)Mr A’s complaint is that Barclay’s Bank Plc (Barclays) has used part of the redress from a mis-sold PPI policy to reduce the arrears on the loan associated with the PPI policy. Mr A says the total compensation for the mis-sold policy should be paid directly to him.backgroundIn October 2... (3 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 DRN7765931
13 Aug 2015 HSBC Bank plc Not upheldBanking and creditMr L complains that HSBC Bank plc unfairly registered a small debt against his name without his knowledge, resulting in his credit score being badly affected.background Three debit card transactions for foreign road tolls were made on Mr L’s account, totalling £93.65.... (3 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 DRN0358635
10 Jun 2016 Instant Cash Loans Limited UpheldBanking and creditMiss L complains that Instant Cash Loans Limited (trading as Money Shop) wrongly lent her money she couldn’t afford to pay back.backgroundMiss L took out three loans with the Money Shop. She says that the business didn’t carry out proper affordability checks and allowed... (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 DRN3855738
29 Jan 2018 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs M complain that an authorised representative of Legal & General Partnership Services Limited mis-sold a mortgage to them. They ask for compensation. Mr and Mrs M are represented by a firm of solicitors. background Legal & General recommended an interest... (3 pages)View decision
