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-5693485
18 Jul 2025 Amplifi Capital (U.K.) Limited UpheldConsumer CreditDRN-5693485 The complaint Miss J says Amplifi Capital (U.K.) Limited, trading as Reevo Money, irresponsibly lent to her. What happened Miss J took out a loan for £5,000 over 60 months on 16 April 2024. The monthly repayments were £147.11. Miss J says Reevo Money should never have accept... (3 pages)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-4772064
2 May 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4772064 The complaint Miss N complains that NewDay Ltd passed her account to a collection agency after she notified it of financial difficulties. What happened Miss N held an account with NewDay. On 12 April 2023 Miss N requested breathing space and to set up a payment plan on her acco... (4 pages)View decision -
Decision Reference DRN-4845022
17 Jul 2024 Everyday Lending Limited Not upheldConsumer CreditDRN-4845022 The complaint Mrs C complains that Everyday Lending Limited, trading as Everyday Loans (“Everyday Lending”), lent to her irresponsibly and the interest charged was too high. And Mrs C is not content that an email she had sent to Everyday Lending during the complaint process ... (6 pages)View decision -
Decision Reference DRN4062499
2 Jun 2017 Marks & Spencer Financial Services plc Not upheldBanking and creditMiss A says Marks & Spencer Financial Service Plc (“M&S”) has charged interest on her credit card unfairly. backgroundMiss A took out a charge card in 1987. This was upgraded to a credit card in 2003. In 2015, Miss A started on a debt management plan through... (2 pages)View decision -
Decision Reference DRN-4390956
21 Dec 2023 Metro Bank PLC UpheldBanking and PaymentsDRN-4390956 Complaint Mr G is unhappy that Metro Bank PLC (trading as RateSetter) loaded a Cifas marker against his name. Background In October 2021, Mr G applied for a loan with RateSetter. His first payment was due on 1 November 2021 but he didn’t make it. RateSetter contacted him about ... (2 pages)View decision -
Decision Reference DRN-4599587
5 Feb 2024 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-4599587 The complaint Mr A has complained about the way Creation Consumer Finance Limited (“Creation”) administered a hire purchase agreement he’d taken out to acquire a car. What happened The circumstances of the complaint are well known to the parties so I’m not going to go over ever... (3 pages)View decision -
Decision Reference DRN-3103459
1 Dec 2021 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3103459 The complaint Miss M complained that National Westminster bank had placed markers on her credit file, relating to a small debt she didn’t know about, which were having a significant impact on her ability to borrow. She told us about the wider impact this had on her life. What h... (4 pages)View decision -
Decision Reference DRN-2709985
2 Aug 2021 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-2709985 The complaint Mr R complains Link Financial Outsourcing Limited have misled him into making payments for a debt they knew was unenforceable. A representative is supporting Mr R in bringing this complaint. What happened Mr R held a credit card, and his representative has said a ... (4 pages)View decision -
Decision Reference DRN0084245
16 Feb 2018 Link Financial Limited Not upheldBanking and creditMrs M complains that Link Financial Limited is pursuing her for a debt which she shouldn’tbe held liable for.backgroundMrs M had a credit card with another financial business. The outstanding debt on the cardwas passed to Link to recover in 2003.In 2017, Mrs M told ... (2 pages)View decision