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
-
Decision Reference DRN-4771780
9 Jun 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4771780 The complaint Miss G complains that Zopa Bank Limited (“Zopa”) defaulted her account and sold the debt to a third party. What happened Miss G applied for a loan with Zopa on 14 February 2020. The loan was for the sum of £20,000 with monthly repayments of £375.88 due on the 14 t... (2 pages)View decision -
Decision Reference DRN-4750307
8 Aug 2024 North Edinburgh and Castle Credit Union Limited UpheldConsumer CreditDRN-4750307 The complaint Miss C complains that North Edinburgh and Castle Credit Union Limited t/a Castle Community Bank (“CCB”) lent to her when she was not able to afford it and did not carry out the correct checks before lending. Miss C wants the whole debt written off and for her c... (5 pages)View decision -
Decision Reference DRN8576545
11 Dec 2014 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs C complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L & G”).backgroundMr and Mrs C had a mortgage, on a discounted interest rate with a high street lender. In 2005 L & G recommended that th... (4 pages)View decision -
Decision Reference DRN1889025
31 Jan 2014 Marlin Europe II Limited Not upheldBanking and creditMr V complains about the actions Marlin Europe II Limited took in pursuing him for a debt that he says he does not owe and that it would not deal with his representative.backgroundIn November 2012 Mr V’s debt that had already defaulted, was assigned to Marlin Europe by the original len... (2 pages)View decision -
Decision Reference DRN-3101920
2 Dec 2021 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3101920 The complaint Mr W complains that HSBC UK Bank Plc (“HSBC”) shouldn’t have charged him interest on repayments to his credit card, following a conversation he had with them. What happened Mr W was on a debt management plan from around October 2019 and he says he was paying no in... (3 pages)View decision -
Decision Reference DRN3049075
18 Oct 2013 NEO Media Solutions Limited UpheldBanking and creditMr and Mrs D complain that they were misled into entering into a debt reduction/debt management agreement with NEO Media Solutions Limited (“NEO”). They also complain that the payments they made to NEO have not been passed on to creditors. They would like a full refund of fees paid.... (2 pages)View decision -
Decision Reference DRN4337140
19 Nov 2013 Northern Debt Recovery Limited UpheldBanking and creditMr R complains that Northern Debt Recovery Limited continued to contact him about debt repayment after it was made aware he did not have an outstanding debt.backgroundMr R applied for a loan through another party (“the lender”). This loan was never credited to his account but the lender c... (1 page)View decision -
Decision Reference DRN1711236
31 Oct 2013 Creation Financial Services Limited UpheldBanking and creditMrs O complains that, despite making payments of just under £2,200 under a debt management plan, the amount she owes Creation Financial Services Limited has only reduced by just under £140. She wants the company to freeze interest on the debt.backgroundMrs O had a credit card with Creat... (2 pages)View decision -
Decision Reference DRN-5752412
2 Dec 2025 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-5752412 The complaint Ms G complains Lowell Portfolio I Ltd are asking her to repay two debts she says she’s already repaid. What happened As I understand it, Ms G had two accounts with a company I’ll refer to as R – a loan and an overdraft. Ms G says she repaid these accounts, and ... (3 pages)View decision -
Decision Reference DRN4385297
22 Jan 2019 Bank of Scotland Plc Not upheldBanking and creditMrs W complained that Bank of Scotland plc, trading as Halifax, didn’t give her the right mortgage advice. As a result, she’s having to pay significantly more.backgroundMrs W was an existing Halifax mortgage customer. In summer 2017, she moved home. She had a very go... (5 pages)View decision