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 70772 results
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Decision Reference DRN9355273
17 Dec 2015 Capquest Debt Recovery Limited UpheldBanking and creditMr F complains that Capquest Debt Recovery Limited has been pursuing him for a debt which he does not owe.backgroundCapquest obtained a County Court Judgment (CCJ) against Mr F. He says he only found out when he was later alerted by a credit reference agency. In 2... (2 pages)View decision -
Decision Reference DRN5381663
26 Aug 2015 Digital Finance Services UK Limited UpheldBanking and creditMr K complains that Digital Finance Services UK Limited tried to collect £3,160.62 from him for an initial loan of £400. He complains they didn’t answer any of his queries about the amount of the debt and wouldn’t provide proof they were entitled to collect it. backg... (2 pages)View decision -
Decision Reference DRN-2566105
9 Feb 2021 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-2566105 The complaint Mr P complains Clydesdale Financial Services Limited trading as Barclays Partner Finance (BPF) failed to adhere to an agreed payment plan arrangement, charged interest and placed his debt with a debt collection agency. What happened Mr P entered into a payment pla... (2 pages)View decision -
Decision Reference DRN5918366
31 May 2019 TSB Bank plc Not upheldBanking and creditMr M complains that TSB Bank plc (TSB) won’t write off his outstanding credit card debt. He says because of his health issues he’s unlikely to ever be in a position to pay the debt off.backgroundThe background to this complaint, and my initial conclusions, were set... (6 pages)View decision -
Decision Reference DRN7500775
16 May 2019 HSBC UK Bank Plc Not upheldPayment protection insurance (PPI)Mr T’s complaint is about the way HSBC UK Bank Plc (HSBC) has offered to compensate him for its mis-sale of a payment protection insurance (PPI) policy attached to a credit card.backgroundIn 2002, Mr T took out a credit card with HSBC. At the same time he was sold... (3 pages)View decision -
Decision Reference DRN2973694
13 Nov 2014 1st Credit Limited UpheldBanking and creditMrs K complains that 1st Credit Limited unfairly sent letters chasing her debt, including the threat of court proceedings, far too early and without first assessing her situation properly.background1st Credit bought Mrs K’s debt from her previous lender. It sent a notice of assignment ... (3 pages)View decision -
Decision Reference DRN-2891586
2 Jul 2021 Mortgage Express Not upheldMortgagesDRN-2891586 The complaint Mrs J’s complaint is about a mortgage she used to have with Mortgage Express (MX). The mortgage – and the property it was secured on – were in the joint names of Mrs J and her then husband, Mr A. Mrs J is unhappy that MX was been granted a charging order over the ... (3 pages)View decision -
Decision Reference DRN2620955
19 Aug 2014 1st Credit (Finance) Limited UpheldBanking and creditMrs D complains that 1st Credit (Finance) Limited is chasing her for an unenforceable debt. background Mrs D had a credit card debt. This was sold to 1st Credit in July 2012. It obtained a copy of an update to the original credit card agreement from the credit provider. This included Mrs ... (2 pages)View decision -
Decision Reference DRN0098593
28 Apr 2015 Capquest Investments Limited Not upheldBanking and creditMr K complains that Capquest Investments Limited (“Capquest”) is unfairly pursuing him for a debt which he does not owe.backgroundCapquest bought a debt of £766 under account number **998 from a third party lender (“V”) in May 2008. Capquest said that the debt was ... (2 pages)View decision -
Decision Reference DRN0508976
3 Sep 2015 MBNA Limited Not upheldBanking and creditMr D complains that MBNA Limited defaulted his credit card account after it agreed to accept reduced monthly payments. Mr D says MBNA accepted a lump sum payment in settlement of the debt but has only recently marked his credit file as partially settled. Mr D wants ... (3 pages)View decision
