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 69943 results
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Decision Reference DRN-1385799
7 Dec 2020 Hoist Finance UK Limited Not upheldBanking and PaymentsDRN-1385799 The complaint Mr S makes a number of complaints about Hoist Finance UK Limited following the sale of a debt to it. Mr S is represented by a business I will call “L”. What happened Mr S says Hoist has failed to provide either him or his representative information he would like t... (2 pages)View decision -
Decision Reference DRN-3705715
27 Oct 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3705715 The complaint Miss T complains that Everyday Lending Limited lent to her when she could not afford it. She says that Everyday Lending did not verify her financial situation properly. Miss T says that the cost of the loan was ‘excruciating’. What happened Miss T applied for and ... (7 pages)View decision -
Decision Reference DRN2955985
2 Feb 2015 Westhill Financial Services Limited Not upheldBanking and creditMr and Mrs T complain – through their representatives - that Westhill Financial Services Limited mis-sold their mortgage.backgroundIn December 2007 Mr and Mrs T (then aged 44 and 43 respectively) consulted Westhill about a remortgage on their property, which was then valued at £130,0... (2 pages)View decision -
Decision Reference DRN7322774
15 Oct 2013 Barclays Bank Plc Not upheldBanking and creditMiss R complains that Barclays Bank PLC has wrongly sold her debt to a debt recovery company when it agreed to write it off. backgroundMiss R got into financial difficulties with her business current account and business loan. Miss R said that she agreed with the bank in June 2010 that ... (2 pages)View decision -
Decision Reference DRN-3271650
24 Jan 2022 Telefonica UK Limited UpheldConsumer CreditDRN-3271650 The complaint Mr E complains that Telefonica UK Limited (trading as O2) allowed a third party to take out more than one fixed sum loan agreement in his name. What happened Mr E contacted O2 in late 2018 as he believed it had allowed someone to acquire a mobile phone using a fix... (6 pages)View decision -
Decision Reference DRN3374131
25 Nov 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMrs K complains that a financial management plan was mis-sold to her and hasn’t been administered properly by Harrington Brooks (Accountants) Limited.backgroundMrs K entered into a financial management plan with a debt management company in October 2014. The debt managem... (2 pages)View decision -
Decision Reference DRN-2895125
13 Jul 2021 MBNA Limited Not upheldBanking and PaymentsDRN-2895125 The complaint Mr B complains that MBNA Limited (MBNA) sold his debt to a debt collection agency. What happened Mr B had a debt with MBNA. In March 2019 they sent him a notice of default. On 16 July 2019 they issued a final demand for payment. On 1 August 2019, MBNA defaulted Mr... (3 pages)View decision -
Decision Reference DRN-3300214
31 Mar 2022 Wescot Credit Services Limited Not upheldConsumer CreditDRN-3300214 The complaint Mr B complains about the way that Wescot Credit Services Limited has managed a debt in his name. Mr B says that poor handling of the situation has impacted on his health. What happened Wescot has been managing the collection of a debt in Mr B’s name since 2013. Th... (2 pages)View decision -
Decision Reference DRN1206367
9 May 2018 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs B complain that the mortgage advice that they received from Legal & General Partnership Services Limited was unsuitable.background Mr and Mrs B had an existing mortgage and a number of unsecured debts. L&G recommended that they re-mortgage and consolida... (2 pages)View decision -
Decision Reference DRN7536929
14 Dec 2016 Baines & Ernst Limited Not upheldBanking and creditMr B complains that Baines & Ernst Limited didn’t advise him about the free advice that was available to him when he entered into his debt management plan. He is being helped with his complaint by a representative.backgroundMr B entered into a debt management pl... (2 pages)View decision
