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 76853 results
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Decision Reference DRN0814524
7 Nov 2014 Motormile Finance UK Limited Not upheldBanking and creditMr D complains about a default registered on his credit file for a loan to be repaid to Motormile Finance UK Limited, trading as MMF. He states that he never received the original default notice. backgroundMr D took out at least two payday loans with a lender in 2010. These were not re... (3 pages)View decision -
Decision Reference DRN8667055
26 Apr 2016 Capital One (Europe) plc UpheldPayment protection insurance (PPI)Mr W is complaining that Capital One (Europe) plc (‘Capital One’) mis-sold him a payment protection insurance (‘PPI’) policy.backgroundMr W took out a PPI policy alongside a credit card in 1998. In 2000 Mr W missed four monthly repayments on his credit card. So, under ... (3 pages)View decision -
Decision Reference DRN2955516
11 Jun 2020 TSB Bank plc UpheldBanking and creditMr and Mrs B complain that TSB Bank plc refused their application to port their mortgage product.backgroundMr and Mrs B took out a mortgage with TSB in 2016 for £87,200 on a capital repayment basis with a term of 11 years. They also took out a fixed rate mortgage product for five years wit... (4 pages)View decision -
Decision Reference DRN3492191
13 Nov 2013 Barclays Bank Plc Not upheldBanking and creditMr and Mrs H complain that Barclays Bank Plc did not treat them fairly in demanding repayment of their debt. They want it to remove negative items from their files with the credit reference agencies.our initial conclusionsThe adjudicator did not recommend that the complaint shoul... (2 pages)View decision -
Decision Reference DRN0661469
4 Oct 2017 Kapama Limited Not upheldBanking and creditMiss C’s unhappy that Kapama Limited is chasing her for a debt it says is outstanding. backgroundMiss C took out a loan and a few days before it was to be repaid she entered into a debt management plan. Since then the debt has been sold to Kapama and its chasing... (2 pages)View decision -
Decision Reference DRN-2816488
7 Jun 2021 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-2816488 The complaint Mr D complains that Lantern Debt Recovery Services Ltd (Lantern) gave him misleading information while discussing settlements for a debt it owns. What happened In August 2019 Lantern bought a debt in Mr D’s name from the original lender. In January 2021 Mr D conta... (2 pages)View decision -
Decision Reference DRN-2962851
6 Aug 2021 Madison CF UK Limited UpheldConsumer CreditDRN-2962851 The complaint Mrs M complains that Madison CF UK Ltd trading as 118 118 Money (118 118) provided lending to her which was unaffordable and irresponsible. She says that she was struggling to make the repayments. What happened Mrs M borrowed £2000 from 118118 money in May 2019. T... (3 pages)View decision -
Decision Reference DRN5026518
20 Feb 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs M complain about The Royal Bank of Scotland Plc (‘RBS’) closing their accounts and registering a default on their credit files.backgroundMr and Mrs M said RBS wrote to tell them their accounts and credit cards would be closed in 60 days. They weren’t sure... (2 pages)View decision -
Decision Reference DRN8900889
5 Sep 2017 Paragon Finance Plc UpheldBanking and creditMrs B complains that Paragon Finance Plc (trading as Idem) caused her significant distress when they chased her about a debt her ex husband had been paying for them both. backgroundMrs B had joint loans with her ex husband Mr B. He’d been paying the debts over the... (2 pages)View decision -
Decision Reference DRN1794683
7 Dec 2015 Bank of Scotland Plc Not upheldBanking and creditMr C complained because he believed Bank of Scotland plc (BoS), misled him about whether or not the organisation chasing his debt were solicitors.backgroundMr C had a credit card with BoS, which defaulted in 2009. He received letters about the debt, which were headed w... (2 pages)View decision