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 DRN1343075
5 Sep 2014 The Mortgage Matters Partnership Not upheldBanking and creditMr and Mrs L complain through their representative that The Mortgage Matters Partnership (‘MMP’) mis-sold their mortgage.backgroundIn March 2006 Mr and Mrs L (who were then aged 65 and 58 respectively) consulted MMP (who had made contact with them) about obtaining a remortgage. They h... (2 pages)View decision -
Decision Reference DRN5547661
24 Feb 2015 MKDP LLP Not upheldBanking and creditMr A considers that MKDP LLP must prove he owes it a debt or stop pursuing him for it.our initial conclusionsOur adjudicator said that based on what he had seen the debt does belong to Mr A. Therefore he could not recommend that we should uphold the complaint.MKDP accepted this recomme... (1 page)View decision -
Decision Reference DRN4809290
22 Oct 2015 Santander UK Plc Not upheldBanking and creditMs B complains about a debt, which Santander UK plc transferred to another company. Ms B doesn’t think she owes any money to Santander at all. If there was a debt, she doesn’t think the bank had any right to transfer it to another company and she shouldn’t have t... (2 pages)View decision -
Decision Reference DRN-3499765
20 Jun 2022 NCO Europe Limited UpheldConsumer CreditDRN-3499765 The complaint Mrs C is unhappy with the way that NCO Europe Limited (NCOE) dealt with the management of her debt. She says this led to a default being unfairly registered against her credit file. What happened Mrs C’s outstanding debt relates to a credit card, which is now owne... (3 pages)View decision -
Decision Reference DRN3726317
24 Oct 2018 HFC Bank Limited Not upheldPayment protection insurance (PPI)Mr B is complaining that HFC Bank Limited (HFC) wants to use the compensation it offered for the mis-selling of a payment protection insurance (PPI) policy to reduce his outstanding debt.backgroundMr B was sold PPI with a credit card (account ending 5626). In 2017 ... (2 pages)View decision -
Decision Reference DRN4259963
27 Oct 2016 Arrow Global Limited UpheldBanking and creditMr S complains that Arrow Global Limited (Arrow) has been wrongly chasing him for a debt he doesn’t owe. He wants compensation for the distress and inconvenience he says this caused him.backgroundI issued my provisional decision in September 2016, a copy of which is at... (3 pages)View decision -
Decision Reference DRN4200345
9 May 2014 Vanquis Bank Limited Not upheldBanking and creditMrs A complains Vanquis Bank Limited was unhelpful and harassed her with phone calls when it should have written off her debt, in view of her financial difficulties. backgroundMrs A and her husband both became unemployed in 2013. Mrs A couldn’t meet her credit card repayments and contac... (2 pages)View decision -
Decision Reference DRN6802064
1 Feb 2018 Elevate Credit International Limited UpheldBanking and creditMr P complains that he obtained credit and took out loans with Elevate Credit International Limited (trading as Sunny) in 2014 and 2015. He says that he couldn’t afford these loans. Mr P also complains that it wasn’t right for Sunny to pass his debts to a debt collect... (9 pages)View decision -
Decision Reference DRN-4216940
11 Jul 2023 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4216940 The complaint Mr L complains that Capital One (Europe) plc has refused to write off his debt and has not fairly considered that request. What happened Mr L says he asked Capital One to write off his credit card account debt. He says he has a number of health issues which mean h... (2 pages)View decision -
Decision Reference DRN-2628875
31 Mar 2021 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2628875 The complaint Mr U complains that Cabot Financial (Europe) Limited is reporting a default on his credit file for a debt that isn’t his. What happened In May 2017 a credit card debt in Mr U’s name was acquired by Cabot. Both the original lender and Cabot sent Notices of Assignme... (2 pages)View decision
