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 74386 results
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Decision Reference DRN7382973
4 Sep 2015 MKDP LLP Not upheldBanking and creditMr G complains that MKDP LLP (MKDP) is unfairly trying to recover a debt from him. He says it hasn’t provided information he asked for about a debt it is trying to recover. He wants MKDP to stop what he thinks is its illegal activities, remove the debt from his cr... (4 pages)View decision -
Decision Reference DRN7667944
18 Nov 2019 Lloyds Bank PLC Not upheldBanking and creditMs M has complained that Lloyds Bank PLC instructed debt collectors to recover a debt from her she didn’t owe and recorded incorrect information about it on her credit file.backgroundIn December 2018 Ms M started to receive telephone calls from a debt collection company. She was told the c... (2 pages)View decision -
Decision Reference DRN5317513
22 Jul 2019 Leeds Building Society Not upheldBanking and creditMr and Mrs P complain about the actions of their mortgage lender, Leeds Building Society (LBS). They’re unhappy that LBS recalculated their monthly mortgage repayment, and included an additional sum to repay previous arrears, fees and costs without them agreeing to this. Mr and Mrs P have ... (4 pages)View decision -
Decision Reference DRN-3377617
20 Apr 2022 Clarkewood Limited UpheldClaims ManagementDRN-3377617 The complaint Ms R’s complained that Clarkewood Limited have chased her for payment of a success fee in relation to recovering mis-sold payment protection insurance (PPI) – but she doesn’t believe she ever instructed them. What happened In mid-2021, Ms R was being contacted dai... (2 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 DRN-5078701
22 Oct 2024 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-5078701 The complaint Mr C complains that Capquest Debt Recovery Limited passed his data to a third-party debt collector unlawfully, without his consent. Mr C wants Capquest to apologise and pay compensation. What happened In April 2024, Mr C received an email from a business I will... (3 pages)View decision -
Decision Reference DRN5224153
29 Dec 2016 Bank of Scotland Plc Not upheldBanking and creditMrs S complained about a default on her credit file, which was put there by Bank of Scotland plc, trading as Halifax. She complained that the balance wasn’t correct; that Halifax hadn’t sent her statements; and that one payment she’d made in 2014 had been returned... (2 pages)View decision -
Decision Reference DRN-2561889
5 May 2021 Experian Limited Not upheldConsumer CreditDRN-2561889 The complaint Mr B complains that Experian Limited is recording someone else’s information on his credit file. What happened Mr B has told us that he first contacted Experian about adverse information recorded on his credit file in 2015. The debt in question was recorded with t... (2 pages)View decision -
Decision Reference DRN-4372493
29 Jan 2024 Everyday Lending Limited UpheldConsumer CreditDRN-4372493 The complaint Mr S complains that Everyday Lending Limited trading as Everyday Loans (“EDL”) irresponsibly agreed a loan for him. Mr S has brought his complaint to us via a representative but I will refer to him throughout for simplicity. What happened EDL agreed a loan of £10,... (4 pages)View decision -
Decision Reference DRN4472659
4 Apr 2017 Bank of Scotland Plc Not upheldBanking and creditT, a limited company, complains that Bank of Scotland PLC (BOS) has overcharged interest and it won’t agree to refund the amount overpaid. The complaint is brought on T’s behalf by its director, Mr T.backgroundT’s borrowing was restructured in 2006, with part of the... (2 pages)View decision
