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 DRN4818031
8 Apr 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMr G complains that Lowell Portfolio I Ltd pursued him over a number of years for a debt that was not his.background Mr G says that Lowell pursued him for a debt despite him telling it that the debt was not his. He says that the person whose debt it was had a differe... (2 pages)View decision -
Decision Reference DRN-3160402
17 Nov 2021 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3160402 The complaint Mr S, who is represented by Citizens Advice, complains that Creation Consumer Finance Ltd didn’t tell him he owed money and that it notified credit reference agencies of his subsequent arrears. What happened I have had a limited response from Creation and the info... (2 pages)View decision -
Decision Reference DRN4675469
7 Dec 2016 Santander UK Plc Not upheldBanking and creditMs M says Santander UK Plc has wrongly applied a default marker to her account.backgroundMs M says she came to a repayment plan through a debt referral agency that included making payments to Santander to clear her overdraft. She says Santander confirmed it was awa... (2 pages)View decision -
Decision Reference DRN5617334
5 Mar 2015 Wilson Andrews Limited Not upheldBanking and creditMrs B complains that Wilson Andrews Limited (“WAL”) provided her with unsatisfactory debt management advice. backgroundMrs B sought debt management advice in 2007 from WAL, and was advised to enter into a Trust Deed. At the time of entering the Trust Deed, her total unsecured debts were... (3 pages)View decision -
Decision Reference DRN6576827
15 Aug 2014 Experto Credite Limited Not upheldBanking and creditMr and Mrs H complain that Experto Credite Limited (“Experto”) incorrectly recorded defaults on their credit files. They ask for compensation to be paid for their time and effort in resolving the problem. They also want Experto to make a payment to them which is equal to the amount pai... (3 pages)View decision -
Decision Reference DRN-3286112
15 Feb 2022 Progressive Money Limited Not upheldConsumer CreditDRN-3286112 The complaint Mr G complains that Progressive Money Limited (PML) sold his debt when they shouldn’t have and delayed in telling him. What happened Mr G took out a loan with PML in 2017. He defaulted on this arrangement shortly after. He subsequently arranged a payment plan wit... (2 pages)View decision -
Decision Reference DRN-4168153
29 May 2024 Jarvis Investment Management Limited Not upheldInvestmentsDRN-4168153 The complaint Mr P represents his business (a partnership held with his brother) in bringing this complaint. He says Jarvis Investment Management Limited (‘JIML’) has acted unreasonably in relation to the business’s share dealing account, which was allowed to incur debts on ove... (7 pages)View decision -
Decision Reference DRN2659657
11 Mar 2014 Bank of Scotland Plc Not upheldBanking and creditMr N complains about a loan given to him by Bank of Scotland plc, which he says was unaffordable. He also says Bank of Scotland passed the debt to several debt collectors whilst it was in dispute and did not respond to his complaint properly. background In July 2010 Mr N took out a £1... (3 pages)View decision -
Decision Reference DRN3554230
29 Apr 2019 HSBC UK Bank Plc Not upheldBanking and creditMrs D complains about the amount of interest charged on her credit card issued by HSBC UK Bank Plc (“HSBC”). She says they should show forbearance and waive or reduce the debt as she’s paid more in interest than she’s borrowed.backgroundMrs D has a credit card with H... (3 pages)View decision -
Decision Reference DRN5184712
13 Nov 2013 The Royal Bank of Scotland Group Independent Financial Services Limited Not upheldInvestment and pensionsMr and Mrs D have complained through their representative about the advice they received from The Royal Bank of Scotland Group Independent Financial Services Limited (“the business”) in 2007. Their representative has stated that Mr and Mrs D should have been advised to repay their outsta... (3 pages)View decision
