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
-
Decision Reference DRN-4873972
30 Oct 2024 Oakbrook Finance Limited Not upheldConsumer CreditDRN-4873972 The complaint Miss B complains that Oakbrook Finance Limited, trading as Likely Loans, sold her debt and has reported incorrect markers on her credit file. What happened Miss B took a loan out with Oakbrook in February 2021. She contacted Oakbrook in April 2023 because her c... (3 pages)View decision -
Decision Reference DRN7082709
19 Jul 2013 Debt Free Direct Limited Not upheldBanking and creditMrs and Mr H complain that Debt Free Direct Limited referred them to a fee-charging mortgage broker. They say they should have been told to go straight to a retail lender, to avoid a broker fee. our initial conclusionsOur adjudicator did not uphold the complaint. He did not think ... (2 pages)View decision -
Decision Reference DRN-2197538
30 Nov 2020 Hoist Finance UK Limited Not upheldBanking and PaymentsDRN-2197538 The complaint Mr W complains that Hoist Finance UK Limited hasn’t accepted an offer of settlement he’s made regarding the repayment of a debt. He also complains about the entry its recorded on his credit file and says it misleading. What happened Mr W tells us that he’d been m... (3 pages)View decision -
Decision Reference DRN-3361763
25 Mar 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3361763 The complaint Mrs A complains that HSBC UK Bank Plc (HSBC) incorrectly told her that a debt she had fully paid off would be reported to the credit reference agencies as ‘partially satisfied’. She also says that HSBC also did not consider the evidence she submitted in support of... (3 pages)View decision -
Decision Reference DRN5001540
20 Aug 2013 Creation Financial Services Limited UpheldBanking and creditMrs D complains that a relatively small credit card debt owed to Creation Financial Services Limited (Creation) has grown hugely. Despite having repaid much more than the original debt over many years, she still owes a large sum. backgroundIt is not in dispute that Mrs D did not make the ... (1 page)View decision -
Decision Reference DRN9025530
19 Aug 2016 Foundation for Credit Counselling Not upheldBanking and creditMiss W complains that Foundation for Credit Counselling, trading as Stepchange, advised her about her debts but didn’t recommend bankruptcy which would’ve been the most suitable outcome for her. She is being helped with her complaint by a representative.backgroundMiss ... (2 pages)View decision -
Decision Reference DRN5408621
8 May 2014 Santander UK Plc Not upheldBanking and creditMrs M complains that Santander UK Plc has not treated her fairly, in that it referred her debt to a third party and registered a default on her credit file. She says she has been making payments towards the debt, but that Santander unreasonably continued to apply charges to the account ... (2 pages)View decision -
Decision Reference DRN9057095
16 Jan 2014 HSBC Bank plc Not upheldBanking and creditMrs H complains that HSBC Bank Plc allowed a third party to open a loan account fraudulently in her name.backgroundThe disputed loan was granted in 2002, for almost £7,000. Mrs H says that she did not apply for the loan, though she believes she knows who did but has no firm evidence a... (2 pages)View decision -
Decision Reference DRN2098819
12 Aug 2015 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Ms K’s complaint was that she was mis-sold a payment protection insurance policy (PPI) with a credit card with Capital One (Europe) Plc (Capital One).backgroundCapital One agreed that the PPI had been mis-sold to Ms K and agreed to pay her compensation.Capital One off... (2 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