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 71335 results
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Decision Reference DRN0944351
11 Mar 2021 The Car Finance Company (2007) Ltd Not upheldBanking and creditMr D complains that The Car Finance Company (2007) Limited (“TCFC”) continued to pursue him for a debt while he was disputing it. background In 2015 Mr D acquired a used car under a hire purchase agreement financed by TCFC. That company is no longer trading, and Go Car Credit Limited (trad... (4 pages)View decision -
Decision Reference DRN-3023050
22 Oct 2021 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-3023050 The complaint Ms Q complains about a debt Lowell Portfolio I Ltd says she owes. She also complains about how she is being chased for the debt. In this decision, where I have referred to ‘Lowell’ I am referring to Lowell Portfolio I Ltd. Where I have referred to Ms Q in this dec... (4 pages)View decision -
Decision Reference DRN2757113
22 Feb 2017 TSB Bank plc Not upheldBanking and creditMr C complains that TSB Bank plc sold his credit card debt to a debt collection agency.background Mr C lost his job and fell into financial difficulties. He had a significant credit card debt and in June 2016 entered into an arrangement with the bank to pay £5 per... (1 page)View decision -
Decision Reference DRN1531665
18 Jan 2018 OPOS Limited Not upheldBanking and creditMiss B complains that a loan she took out with Minicredit that was transferred to Opus Limited (Opus), when Minicredit went into administration was irresponsibly lent and that the charges and interest that have accrued should be refunded to her.background Miss B took ... (3 pages)View decision -
Decision Reference DRN0891443
21 Aug 2015 Lloyds Bank PLC UpheldPayment protection insurance (PPI)Mr A’s complaint is about a payment protection insurance (PPI) policy sold to him by Lloyds Bank PLC.Mr A’s main complaint is that he says Lloyds’ actions caused him to lose the opportunity to “short-settle” his credit card account for £3,300. Lloyds later sold th... (7 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 DRN7510737
26 Oct 2018 Tesco Personal Finance PLC Not upheldPayment protection insurance (PPI)Mrs A has complained about the way Tesco Personal Finance PLC (“Tesco”) wants to use compensation following a complaint about payment protection insurance (“PPI”).backgroundMrs A took out a credit card with Tesco in 2000 and had a PPI policy attached to it. In 2012 she... (2 pages)View decision -
Decision Reference DRN7838154
29 Oct 2013 Hillesden Securities Limited Not upheldBanking and creditMrs E wants Hillesden Securities Limited to discontinue collection activity on a debt she says is unenforceable. Mrs E also says Hillesden has harassed her. Mrs E is represented in this complaint by Mr J. References to Mrs E should be taken to include submissions made by her representa... (2 pages)View decision -
Decision Reference DRN-5381782
2 May 2025 NCO Europe Limited UpheldConsumer CreditDRN-5381782 The complaint Mr C is unhappy with the service he has received from NCO Europe Limited (NCO) which relates to his fixed sum loan agreement. What happened In June 2024 Mr C’s original creditor sold his debt to Company A. To service the debt on its behalf, Company A appointe... (2 pages)View decision -
Decision Reference DRN5474089
16 Apr 2015 Lloyds Bank PLC Not upheldBanking and creditMr C complains that he’s been treated badly, unfairly and illegally by Lloyds Bank PLC because he’s being asked to pay a debt that relates to a current account belonging to his ex- partner.backgroundMr C says his ex-partner asked Lloyds to add his name to her cur... (2 pages)View decision
