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 69825 results
-
Decision Reference DRN-4446384
19 Dec 2023 Santander UK Plc Not upheldConsumer CreditDRN-4446384 The complaint Mrs F says Santander UK Plc irresponsibly lent to her. What happened Mrs F took out a 48-month loan for £9,400 on 5 February 2019. The monthly repayments were £269.20 and the total repayable was £12,921.60. Mrs F says she was in a debt management plan at the time ... (2 pages)View decision -
Decision Reference DRN3771218
28 Feb 2017 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMiss F complains that she wasn’t provided with satisfactory information about her debtmanagement plan (“DMP”), which was sold to her by a third party (“T”). The DMP was thenpassed to Harrington Brooks (Accountants) Limited, trading as Harrington Brooks DebtManagement, (... (3 pages)View decision -
Decision Reference DRN0952700
7 Jul 2015 HSBC Bank plc UpheldBanking and creditMr S complains about the way that HSBC Bank plc has dealt with him in his capacity as guarantor for a company debt. He’s particularly unhappy that HSBC won’t re-open the company account and reinstate the overdraft. He’d like us to order the bank to do that.background... (2 pages)View decision -
Decision Reference DRN3548910
30 Aug 2013 Robinson Way Limited Not upheldBanking and creditMr T complains that Robinson Way Limited has wrongly been pursuing him for a debt. backgroundRobinson Way says that in 2008 it purchased, from a bank, a debt on a credit card account formerly held by Mr T. He believes that the loan on the card was mis-sold by the bank and complained ... (1 page)View decision -
Decision Reference DRN2903027
20 Jan 2015 Capquest Debt Recovery Limited Not upheldBanking and creditMr R complains about a debt that Capquest Debt Recovery Limited is seeking repayment of. He is unhappy the debt was passed to Capquest without his knowledge and he refuses to accept Capquest’s demands for payment as he is still paying the original creditor. background Capquest was ap... (2 pages)View decision -
Decision Reference DRN-4395632
12 Oct 2023 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4395632 The complaint Mrs M complains that Tesco Personal Finance PLC (Tesco Bank) was irresponsible in its lending to her. What happened Mrs M was provided with two loans by Tesco Bank. The first loan was provided in 2015 and a further loan was provided in August 2018. Based on the ti... (4 pages)View decision -
Decision Reference DRN4076246
23 Oct 2015 Lloyds Bank PLC Not upheldBanking and creditMr A complains that he has made an overpayment to Lloyds Bank PLC on his original credit agreement and he disputes the amount he owes.background Mr A had two loan accounts and a current account overdraft. These defaulted and he has made repayments under a debt managemen... (2 pages)View decision -
Decision Reference DRN-5379030
7 Mar 2025 NCO Europe Limited UpheldConsumer CreditDRN-5379030 The complaint Miss C complains NCO Europe Limited are responsible for a default related to her debt that was applied to her credit file. What happened Miss C originally had an account with a company I’ll refer to as V. Miss C unfortunately got into some difficulties, and she... (2 pages)View decision -
Decision Reference DRN7203364
10 Feb 2015 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr T’s complaint concerns his credit card and an associated payment protection insurance (PPI) policy – both sold by Capital One (Europe) plc. He is unhappy that a debt remains on the card after having made a successful claim on the PPI policy and with Capital One’s pursuit of the debt... (2 pages)View decision -
Decision Reference DRN2683566
11 Jul 2013 Santander Cards UK Limited Not upheldBanking and creditMiss F complains that Santander Cards UK Limited has wrongly issued a default notice and recorded adverse information on her account. She says she was not aware she owed the debt, but has now repaid it and would like the adverse information to be removed. backgroundMiss F held a store... (2 pages)View decision
