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 74365 results
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Decision Reference DRN-4322062
21 Sep 2023 Nationwide Building Society UpheldConsumer CreditDRN-4322062 The complaint Mrs P complains that Nationwide Building Society was irresponsible in its lending to her. What happened Mrs P was provided with four loans by Nationwide between 2017 and 2022. She says the loan amount almost tripled and this is due to her struggling financially. S... (4 pages)View decision -
Decision Reference DRN8226588
6 Oct 2016 123 Debt Solutions Ltd UpheldBanking and creditMr H complains, in summary, that 123 Debt Solutions Limited (“DSL”) didn’t advise him appropriately on all the debt management solutions available to him, and he feels that a debt management plan (“DPM”) wasn’t the best option for him. The complaint is brought to thi... (3 pages)View decision -
Decision Reference DRN4337140
19 Nov 2013 Northern Debt Recovery Limited UpheldBanking and creditMr R complains that Northern Debt Recovery Limited continued to contact him about debt repayment after it was made aware he did not have an outstanding debt.backgroundMr R applied for a loan through another party (“the lender”). This loan was never credited to his account but the lender c... (1 page)View decision -
Decision Reference DRN4953311
20 Nov 2020 Madison CF UK Limited UpheldBanking and creditMr G has complained about a loan he took out with Madison CF UK Limited, trading as 118 118 Money. Mr G says it was irresponsible for the company to give him the loan as it should have been obvious he could not afford to pay it back. background I issued a provisional decision in this case ... (7 pages)View decision -
Decision Reference DRN6589429
14 Jan 2014 HSBC Bank plc Not upheldPayment protection insurance (PPI)Mr F complained to this service about the sale of a payment protection insurance (PPI) policy in connection with a credit card. The card and the PPI were both sold by HSBC Bank Plc. HSBC initially rejected Mr F’s complaint, but after the involvement of this service, it then made an of... (2 pages)View decision -
Decision Reference DRN0812058
16 Mar 2017 Lowell Portfolio I Ltd UpheldBanking and creditMr J complains that Lowell Portfolio I Ltd pursued him for repayment of a debt that he didn’t owe and that it won’t remove the defaults from his credit file. He also complains about the poor level of service he’s received.backgroundThe debt relates to two loans which ... (2 pages)View decision -
Decision Reference DRN7292362
7 Jan 2014 National Westminster Bank Plc Not upheldBanking and creditMrs U complains about the service she has received from National Westminster Bank Plc. She repeatedly asked it for statements to show how much she owed, but it did not send them. She is also concerned that it may have mis-calculated her debt.backgroundIn 2007 NatWest obtained a county c... (1 page)View decision -
Decision Reference DRN0039157
17 Dec 2013 Fastmoney.co.uk Limited Not upheldBanking and creditMr K complains that Fastmoney.co.uk Limited mis-sold him a mortgage. The complaint is brought on his behalf by a claims management company.backgroundMr K responded to a newspaper advert and asked Fastmoney to arrange him a remortgage. He wanted to repay his secured and unsecured lendin... (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 DRN-2818135
26 May 2021 Argos Limited Not upheldConsumer CreditDRN-2818135 The complaint Mrs C complains about a decision by Argos Limited, trading as Argos Card (“Argos”), to suspend her account as it was in persistent debt. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll foc... (2 pages)View decision
