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
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Decision Reference DRN-5324393
28 Feb 2025 Lendable Ltd UpheldConsumer CreditDRN-5324393 The complaint Mr C complains that Lendable Ltd lent irresponsibly when it approved his loan application. What happened Mr C applied for a loan of £4,000 with Lendable in October 2023. In his application, Mr C said he was self employed with a monthly income of £2,092 and ren... (3 pages)View decision -
Decision Reference DRN-3835509
1 Dec 2022 NewDay Ltd Not upheldConsumer CreditDRN-3835509 The complaint Miss B complains that NewDay Ltd acted irresponsibly when they agreed to provide two credit card accounts and later increased the account limits to a level that was unaffordable. Miss B is represented by a claims management company (“the CMC”). What happened In Ma... (4 pages)View decision -
Decision Reference DRN-1563095
4 Jun 2020 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-1563095 The complaintMs B made a request to Lloyds Bank PLC for copy statements. Ms B is unhappy that these statements were then sent to the debt collection agency who currently owned the debt, rather than to her directly. As a result of Lloyds disclosing this information to the debt c... (2 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 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 DRN4608155
17 Mar 2020 Capquest Debt Recovery Limited UpheldBanking and creditMr L has complained Capquest Debt Recovery Limited is pursuing him for a debt that isn’t his.backgroundAfter getting a letter from Capquest asking him to repay a catalogue shopping debt, Mr L told them this wasn’t his debt. He provided Capquest with the evidence they requested to show his ... (2 pages)View decision -
Decision Reference DRN-2750731
13 May 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2750731 The complaint Mr A complains that Vanquis Bank Limited (Vanquis) lent to him irresponsibly. What happened Mr A applied for a credit card from Vanquis in January 2016. This was agreed with a limit of £250. There were subsequent increases as shown: Date Old Limit New Limit Januar... (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 DRN7228409
10 Mar 2015 Arrow Global Limited UpheldBanking and creditMr T complains that Arrow Global Ltd (the business) is chasing him about debt that is not his.backgroundMr T was contacted by agents acting on behalf of the business about two outstanding debts. He says that the debts are not his. He says that he has no association with the address that ... (2 pages)View decision -
Decision Reference DRN8696974
19 May 2020 Santander Consumer (UK) Plc UpheldBanking and creditMr M complains that Santander Consumer (UK) Plc (‘Santander’) pursued him for a debt that he never took out. background Mr M says in 2012 Santander began to pursue him for a debt in relation to a car finance agreement (‘Agreement A’). He says that despite telling Santander it wasn’t his de... (9 pages)View decision