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 DRN1455572
28 Jan 2015 HSBC Bank plc Not upheldBanking and creditMr and Mrs E complain that HSBC Bank plc is wrongly pursuing them for payment under a personal guarantee. They ask that it stops contacting them.backgroundMr and Mrs E were directors of a limited company, which I will call Z. They gave a personal guarantee limited to £25,000 to HSBC for... (2 pages)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 DRN4348677
11 Jul 2017 Cabot Financial (Europe) Limited Not upheldBanking and creditMr N complains about Cabot Financial (Europe) Limited (“Cabot”). He says that they unfairly pursued him over a settled debt between 2006 and 2017. Mr N therefore thinks that Cabot owes him money. backgroundIn February 2005 Mr N took on a loan with a different bank, whi... (3 pages)View decision -
Decision Reference DRN9276359
9 Feb 2015 Bournes Limited UpheldBanking and creditMr Q has complained that Bournes Limited, trading as Bournes Debt Solutions, sold him a debt management plan he didn’t need. He is also concerned that they didn’t pass on the payments he made to them and didn’t tell him what would happen to his credit file when he entered a debt manageme... (2 pages)View decision -
Decision Reference DRN-2963045
20 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2963045 The complaint Mr C complains that NewDay Ltd trading as Aqua failed to update Mr C’s credit file once the outstanding balance on his credit card was repaid in full. What happened Mr C had an Aqua credit card which was included in a debt management programme. In July 2017 the de... (2 pages)View decision -
Decision Reference DRN-3378071
10 Jun 2022 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-3378071 The complaint Mr M complains that Cabot Credit Management Group Limited is pursuing him for debt that has previously been decided need not be paid. What happened Mr M says he made a previous complaint about a business I will call “N” which was upheld in his favour. He says it w... (2 pages)View decision -
Decision Reference DRN7950112
25 Oct 2017 Cabot Credit Management Group Limited UpheldBanking and creditMr L complains that Cabot Credit Management Group Limited (trading as Cabot Financial (Europe) Limited) are out of time to chase him for a debt. He wanted them to stop chasing him.backgroundMr L said Cabot were chasing him for a debt that was statute barred. He’d c... (3 pages)View decision -
Decision Reference DRN-5064890
18 Nov 2024 Tandem Home Loans Ltd UpheldMortgagesDRN-5064890 The complaint Mrs B complains that Tandem Home Loans Ltd gave her a secured loan without adequately checking if it was affordable. What happened In 2018, Mrs B took out a secured second charge loan with 1 st Stop Home Loans, which is now called Tandem. I will refer to Tandem... (5 pages)View decision -
Decision Reference DRN5189620
17 Sep 2015 Clear View Finance Limited UpheldBanking and creditMr O has complained Clear View Finance Limited didn’t make all the monthly payments to his creditors.backgroundMr O took out a debt management plan with Clear View in 2012. He mostly paid them £325 a month and was charged £25 monthly fees. Clear View visited him at ho... (2 pages)View decision -
Decision Reference DRN4406675
30 Sep 2015 Liverpool Victoria Friendly Society Limited Not upheldPayment protection insurance (PPI)Mr W’s complaint is about mis-sale of a payment protection insurance (PPI) policy and the way Liverpool Victoria Friendly Society Limited (Liverpool Victoria) plans to use the compensation it has offered to put this right.backgroundMr W complained that Liverpool Vict... (2 pages)View decision
