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 71155 results
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Decision Reference DRN-5094160
21 Oct 2024 Southern Pacific Mortgage Limited UpheldMortgagesDRN-5094160 The complaint Mr O complains that Southern Pacific Mortgage Limited (SPML) is recording inaccurate information about him on his credit file. What happened In 2005, Mr O took out an interest only mortgage with SPML. The mortgage is in joint names with his now ex-partner. The ... (3 pages)View decision -
Decision Reference DRN4680242
30 Jan 2019 Next Retail Limited Not upheldBanking and creditMs D complains that Next Retail Limited won’t write-off her debt.backgroundMs D entered into a credit agreement with Next in May 2017 and Next says that she ran up a debt with purchases made in November and December 2017. It says that she contacted it about the debt ... (2 pages)View decision -
Decision Reference DRN0950617
28 Aug 2015 Lowell Financial Ltd Not upheldBanking and creditMr J complains about a debt sold on to Lowell Financial Ltd, trading as Lowell Group. He says that since purchasing the debt, Lowell has demanded that he pay the amount owed in full. He also says that it has added interest to his account.BackgroundMr J had incurred ... (1 page)View decision -
Decision Reference DRN0333870
15 Jun 2016 Santander UK Plc UpheldBanking and creditMr L complains that Santander UK Plc has not treated him fairly in that it gave him incorrect information about how to deal with a debt on a joint account which he held with his ex-wife. This led to the account remaining outside its limits and a default being appl... (2 pages)View decision -
Decision Reference DRN-2100011
25 Sep 2020 U K Insurance Limited Not upheldInsuranceDRN-2100011The complaintMiss M complains that U K Insurance Limited (“UKI”) registered a default on her credit file. What happenedMiss M had a car insurance policy with UKI. She had a credit agreement with it that required her to make monthly payments for the policy. In September 2019 she ... (3 pages)View decision -
Decision Reference DRN-2115239
4 Sep 2020 Bank of Scotland Plc UpheldMortgagesDRN-2115239The complaintMr S complains that Bank of Scotland plc (trading as Halifax) has been pursuing him for an incorrect amount through a debt recovery company, following the sale of his property that left him with a shortfall. What happenedMr S owned a property mortgaged through Halif... (3 pages)View decision -
Decision Reference DRN7358131
4 Sep 2015 Link Financial Outsourcing Limited Not upheldBanking and creditMr S complains that Link Financial Outsourcing Limited pursued him for a debt it wrongly said he owed, wrongly recorded a default on his credit reference file and did not deal with him properly. He says Link should compensate him for extra mortgage costs, inconv... (2 pages)View decision -
Decision Reference DRN2396014
22 May 2014 Link Financial Limited UpheldBanking and creditMr B complains about Link Financial Limited pursuing him for a debt that is not his. He is unhappy that Link has asked him to repay the debt and that it attempted to put a charging order on his property.backgroundThe background to this complaint, and my initial conclusions, were set out... (6 pages)View decision -
Decision Reference DRN3613275
1 Dec 2016 Lowell Portfolio I Ltd Not upheldBanking and creditMr B complains that Lowell Portfolio I Ltd (“Lowell”) is seeking to recover a debt from him which he says is statute barred and so irrecoverable.backgroundLowell says that in December 2012, it bought a debt which Mr B owed to a company I will call Company M. It says ... (2 pages)View decision -
Decision Reference DRN0368597
29 Apr 2014 Equidebt Limited UpheldBanking and creditMrs C complains that Equidebt Limited has pursued her for a debt that does not belong to her. Equidebt is now in administration. backgroundA debt was transferred to Equidebt in June 2012. It contacted Mrs C and asked her to make repayments to the debt. Mrs C agreed to pay £100 a mon... (2 pages)View decision
