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 70661 results
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Decision Reference DRN0351392
17 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMr T complains that NEO Media Solutions Limited (trading as One Debt Solution) did not pass on to his creditors payments he made to it under a debt management agreement, and refused to return his payments after he cancelled his agreement with it.backgroundOur adjudicator recommended tha... (2 pages)View decision -
Decision Reference DRN-3597563
23 Aug 2022 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-3597563 The complaint Mr S complains Link Financial Outsourcing Limited have: Purchased two of his debts Added two defaults to his credit file Not provided evidence they owned the accounts Talked down to him when speaking on the phone Not set up his complaint when he first asked ... (4 pages)View decision -
Decision Reference DRN8380058
15 Dec 2015 Lloyds Bank PLC Not upheldBanking and creditMr O has complained about irresponsible lending by Lloyds Bank PLC (Lloyds).backgroundIn 2005, Mr O opened an account with Lloyds. It offered him a credit card with a limit of £500, which he accepted. His spending on the credit card then exceeded the limit and he ran ... (2 pages)View decision -
Decision Reference DRN8201333
8 Nov 2018 Kapama Limited UpheldBanking and creditMr S has raised a complaint about the administration of his account, in particular the validity and amount of the outstanding debt.backgroundMr S took out a loan in 2011. The company he borrowed from has now gone into liquidation and his debt has been sold to a third ... (3 pages)View decision -
Decision Reference DRN-5137196
12 Nov 2024 Evolution Lending Limited UpheldMortgagesDRN-5137196 The complaint Mr and Mrs Y complain that Evolution Lending Limited irresponsibly lent them a second charge mortgage (secured loan). What happened Mr and Mrs Y have taken out a series of secured loans with Evolution – in September 2016, April 2017, June 2018 and September 202... (5 pages)View decision -
Decision Reference DRN-2407518
18 Feb 2021 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-2407518 The complaint Ms E is unhappy that Tesco Personal Finance PLC sold her account to a debt purchasing company, despite knowing that Ms E has a long-term health condition. What happened Ms E applied for a personal loan with Tesco for £12,000. The loan had a term of five years with... (3 pages)View decision -
Decision Reference DRN-2558803
26 Mar 2021 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-2558803 The complaint Mr O complains that HSBC UK Bank Plc (HSBC) shouldn’t have marked his credit file. What happened Mr O had a current account with HSBC. In July 2018, they told him they would close his account. He tried to pay in £350. These credits were returned. The account was c... (2 pages)View decision -
Decision Reference DRN-3634041
20 Sep 2022 Lowell Financial Ltd Not upheldConsumer CreditDRN-3634041 The complaint Mr F has complained about Lowell Financial Ltd pursuing him for two accounts. He says one of them was taken out fraudulently in his name, and he says the other is unenforceable. What happened Both sides are most familiar with the case, so I’ll summarise things in ... (3 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 DRN6207821
12 Nov 2019 Connells Limited UpheldBanking and creditMr B complains that Connells Limited mis-sold him a mortgage.backgroundMr B had a mortgage already, and in 2006 he went to Connells for advice on a re-mortgage. Connells recommended he take out a Together mortgage provided by Northern Rock – which includes both a secured mortgage and an un... (3 pages)View decision
