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 74386 results
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Decision Reference DRN-3971660
21 Feb 2023 Evolution Money Limited Not upheldMortgagesDRN-3971660 The complaint Miss G’s complaint is about a second charge mortgage she has with Evolution Money Limited. She says the loan was unaffordable and considers Evolution lent irresponsibly as it inappropriately took money she received from other people living in her property into acc... (3 pages)View decision -
Decision Reference DRN-1910345
10 Jul 2020 Gain Credit LLC UpheldConsumer CreditDRN-1910345 The complaintMr W says Gain Credit LLC trading as Drafty lent to him irresponsibly. He says his financial situation was poor at the time of sale and a reasonable credit check would’ve shown this. He says if Drafty had made better checks then it wouldn’t have lent to him. What ... (3 pages)View decision -
Decision Reference DRN0639662
19 Mar 2014 Vanquis Bank Limited Not upheldBanking and creditMiss F complains that she has been pursued by Vanquis Bank Limited for a debt which is not hers. She wants any adverse information to be removed and compensation for distress and inconvenience.background Miss F says that she was contacted by an agent of Vanquis who had been instructed to... (2 pages)View decision -
Decision Reference DRN3731965
20 Jun 2016 Santander UK Plc Not upheldBanking and creditMiss T complains that Santander UK Plc wants her to pay money that she doesn’t owe. She wants Santander to refund the payments her father made without her knowledge or permission.backgroundMiss T opened an account with Santander (previously Alliance & Leicester). In ... (3 pages)View decision -
Decision Reference DRN7977461
13 Feb 2018 Total Home Loans Direct Limited Not upheldBanking and creditMr W complains that Total Home Loans Direct Limited (THL) gave him loans that he couldn’t afford to repay and transferred the debt to a third party without informing him. He asks that it refunds interest and charges.backgroundMr W took out three loans with THL betw... (2 pages)View decision -
Decision Reference DRN-3755365
28 Oct 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3755365 The complaint Mr M is unhappy that Santander UK Plc defaulted his account and passed his overdraft over to a debt collection agency. What happened Mr M had a current account with Santander, which had an arranged overdraft facility. In April 2020, Santander wrote to Mr M to let ... (3 pages)View decision -
Decision Reference DRN9952710
14 Jun 2019 Capquest Debt Recovery Limited Not upheldBanking and creditMiss C complains that Capquest Debt Recovery Limited obtained a County Court Judgment (CCJ) for a debt she says she’s already settled. She wants the CCJ set aside and the entry removed from her credit file.backgroundMiss C tells us that several years ago she fell into ... (3 pages)View decision -
Decision Reference DRN-4650759
27 Mar 2024 PRA Group (UK) Limited Not upheldBanking and PaymentsDRN-4650759 The complaint Mr B complains that PRA Group (UK) Limited trading as PRA Group is attempting to collect an unenforceable debt. What happened In 2017 PRA Group acquired a credit card debt of £7,590.70 from a business I’ll refer to as B. Notices of Assignment were issued by both P... (2 pages)View decision -
Decision Reference DRN-5695823
6 Oct 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5695823 The complaint Miss A complains that Clydesdale Bank Plc trading as Virgin Money have irresponsibly lent to her. What happened Miss A was approved for a Virgin Money credit card in October 2024 with a £5,000 credit limit. Miss A says Virgin Money irresponsibly lent to her. Mi... (3 pages)View decision -
Decision Reference DRN4564554
8 Apr 2015 MKDP LLP UpheldBanking and creditMr G complains that MKDP LLP wrongly pursued him for a settled debt and put a default on his credit file.backgroundMr G’s loans with the original lender were settled. The loans were sold to MKDP, who chased him for payment and registered a default on his credit file... (1 page)View decision
