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 74313 results
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Decision Reference DRN6527982
15 Jan 2021 Lowell Financial Ltd Not upheldBanking and creditMrs C complains that Lowell Financial Ltd contacted her over an extended period of time about debts that didn’t belong to her. She also complains about the impact this has had on her credit file. background I’ll set out the chronology of what’s happened as far as I understand it. Lowell se... (3 pages)View decision -
Decision Reference DRN7288099
11 Jun 2019 National Westminster Bank Plc Not upheldBanking and creditMr H has complained that after National Westminster Bank Plc (Natwest) upheld an earlier complaint he had made about mis-selling him a packaged bank account, it decreased the amount of compensation it paid him to reduce a debt it said he owed from several years earlier... (3 pages)View decision -
Decision Reference DRN-3267740
26 Jan 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3267740 The complaint Miss B complains that Everyday Lending Limited trading as Everyday Loans contacted her Inappropriately concerning a loan she has with it. What happened Miss B has a loan with Everyday. In November 2019 she became homeless and was unable to work. She made contact w... (2 pages)View decision -
Decision Reference DRN8302408
3 Dec 2013 MBNA Limited Not upheldBanking and creditMrs A complains that MBNA Limited will not accept a payment from her of £269.50 in full and final settlement of her debt of £5,117.20. Mrs A says that MBNA did not tell her that it was not prepared to use the cheque to clear her loan when it cashed it. This meant that she thought MBNA... (2 pages)View decision -
Decision Reference DRN9266599
20 Feb 2018 TBI Financial Services Ltd UpheldBanking and creditMiss C complains about a mortgage she took out in 2007 with her now ex-partner (who I’ll call Mr C). The mortgage was taken out with a different lender and, due to arrears, the property was repossessed in 2009. The property was sold for less than the outstanding m... (3 pages)View decision -
Decision Reference DRN6603347
16 Jan 2018 Motormile Finance UK Limited Not upheldBanking and creditMr O complains that he’s being chased for payment of a debt by Motormile Finance UK Limited that he says isn’t his.backgroundMotormile contacted Mr O last year about the outstanding debt on a cash loan that he took out with a third party in August 2010. It has prov... (2 pages)View decision -
Decision Reference DRN-3675540
31 Aug 2022 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-3675540 The complaint Mr P complains that Shop Direct Finance Company Limited (trading as Very) (SDFCL) treated him unfairly when he experienced financial problems. What happened Mr P entered into a credit agreement with SDFCL in 2013. He was out of work for a time and ran into financi... (4 pages)View decision -
Decision Reference DRN4589294
8 Oct 2018 Debt and Credit Ltd UpheldBanking and creditMr S complains that Debt and Credit Ltd (Debt and Credit) have overcharged him for managing his Debt Management Plan (DMP). He also complains that Debt and Credit shouldn’t have transferred his plan to another company without his consent.backgroundMr S entered into ... (4 pages)View decision -
Decision Reference DRN9442066
13 Dec 2013 UK Insurance Limited Not upheldInsurance (excluding PPI)Mrs A has complained that UK Insurance Limited failed to allow her correct no claims discount (NCD) throughout her time on cover or to provide her correct NCD when she moved car insurance. Mrs A has also complained about the poor service she received.background Mrs A’s policy was ca... (2 pages)View decision -
Decision Reference DRN2409081
1 Aug 2019 BW Legal Services Limited Not upheldBanking and creditMr C is unhappy that bailiffs still visited his home after he’d contacted BW Legal Services Limited (“BW”) to arrange a settlement and prevent bailiff action.backgroundMr C had some debts, and in October 2014 BW was instructed to recover one of these debts. It seems BW tried to contact Mr ... (2 pages)View decision
