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 DRN6745337
4 Dec 2019 Evergreen Finance London Ltd UpheldBanking and creditMr W complains that Evergreen Finance London Limited, trading as Moneyboat, made a mistake when it tried to collect a payment. Mr W says it led to embarrassment and financial loss.Since this complaint has been with this service Mr W has complained about being harassed by Moneyboat in relat... (5 pages)View decision -
Decision Reference DRN-4218833
31 Jul 2023 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4218833 The complaint Miss B has complained Creation Consumer Finance Limited (Creation) is holding her liable for a credit agreement she doesn’t recognise. What happened Miss B is unhappy Creation is holding her liable for a credit agreement. Miss B acknowledges she had a credit agree... (3 pages)View decision -
Decision Reference DRN2716447
11 Sep 2015 WorldPay (UK) Limited Not upheldBanking and creditS is a limited company and its complaint is brought by its representative, Mr B. Mr B complains that WorldPay (UK) Limited is chasing S for a debt that is not properly owed. backgroundS took a merchant services facility to enable it to accept plastic card payments. ... (3 pages)View decision -
Decision Reference DRN1301809
30 Nov 2016 BW Legal Services Limited Not upheldBanking and creditMiss D complains that she is being pursued by BW Legal Services Limited for a debt.backgroundMiss D had a student bank account on which she owed more than £3,000 in 2010. She made repayments of £1 each month until April 2014. BW Legal Services was instructed by t... (2 pages)View decision -
Decision Reference DRN8639006
5 May 2015 Sesame Limited Not upheldBanking and creditMs A and Mr Y complain that Sesame Limited mis-sold them a mortgage consolidating another secured loan and unsecured debts.backgroundMs A and Mr Y make this complaint through their solicitor.Ms A and Mr Y approached Sesame for advice about re-mortgaging in 2006. At that ... (3 pages)View decision -
Decision Reference DRN4924182
31 Jul 2017 Arrow Global Limited UpheldBanking and creditMr H complains that Arrow Global Limited wrongly contacted him to ask for repayment of a debt that wasn’t his.backgroundMr H received letters from Arrow Global and from its debt collection agent chasing him for repayment of a debt. Arrow Global had obtained Mr H’s... (1 page)View decision -
Decision Reference DRN6366993
10 Mar 2016 Bank of Scotland Plc Not upheldBanking and creditMs W complains that Bank of Scotland plc (trading as “Halifax”) hasn’t dealt fairly with her in relation to her liability for an outstanding debt on her joint account.backgroundMs W held a joint account with a third party with Halifax. The third party spent on the ac... (2 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 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 DRN-3559947
13 Oct 2022 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3559947 The complaint Mr A complains that Tesco Personal Finance PLC applied adverse information to his credit file when his debt management organisation didn’t make the agreed repayments. He says he did nothing wrong and wants his credit file amended. What happened In March 2021, Mr A... (3 pages)View decision
