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 70137 results
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Decision Reference DRN4072944
15 Jul 2019 Bank of Scotland Plc Not upheldBanking and creditBank of Scotland plc sold Mr E’s account to a debt collection agency. It later told him it had sent the wrong figure, but it had put it right. Mr E is complaining because he wants:-more compensation than Bank of Scotland has given him, and -the details changed on his County Court Judgmen... (3 pages)View decision -
Decision Reference DRN9430779
26 Mar 2020 Paragon Finance Plc Not upheldBanking and creditMiss J complains via her professional representative that Paragon Finance PLC, trading as Idem Servicing (Idem) have incorrectly reported late payment markers to her credit file.BackgroundMiss J had a credit card account with her bank. Miss J’s circumstances changed, and she began to strug... (3 pages)View decision -
Decision Reference DRN3037153
19 Dec 2018 Tesco Personal Finance PLC Not upheldPayment protection insurance (PPI)Ms J’s complaint is about how Tesco Personal Finance PLC (“Tesco”) has used the compensation it offered on her payment protection insurance (“PPI”) policy attached to her credit card, to reduce her outstanding debt.backgroundMs J, through a claims management company (“... (4 pages)View decision -
Decision Reference DRN1940451
27 Jun 2014 Gregson and Brooke Ltd UpheldBanking and creditMr D complains that Gregson and Brooke Ltd misrepresented a Debt Management Plan (DMP) he entered into with it. He says that it has not distributed his money to creditors as expected.backgroundMr D says that he has paid Gregson and Brooke £2,280 but that it has distributed very little to... (2 pages)View decision -
Decision Reference DRN3437997
6 Jun 2017 Endsleigh Insurance Services Ltd Not upheldInsurance (excluding PPI)Mr E complains that Endsleigh Insurance Services Ltd has handled the cancellation of his home insurance policy unfairly and unreasonably.backgroundMr E arranged his home insurance through Endsleigh for a number of years. His contents policy also included additional cover f... (2 pages)View decision -
Decision Reference DRN-4248579
29 Aug 2023 Gain Credit LLC UpheldConsumer CreditDRN-4248579 The complaint Mr R complains that Gain Credit LLC, trading as Drafty, did not treat him fairly in relation to the debt arising from the credit facility he applied for and used. What happened Using records and information from both parties here is a summary of what happened. Thi... (7 pages)View decision -
Decision Reference DRN8234109
11 Mar 2014 Bournes Limited UpheldBanking and creditMr and Mrs Q complain about a debt management plan they entered into with Bournes Limited. They say payments were not distributed to their creditors as they expected them to be. They also complain that they were not kept updated with the progress of the plan.backgroundMr and Mrs Q enter... (3 pages)View decision -
Decision Reference DRN3353536
27 Jun 2013 Santander UK Plc Not upheldBanking and creditMr O complains that Santander UK Plc sold a debt, which he disputes, to a third party financial company, and has refused to respond when he tried to discuss this with it. backgroundThe adjudicator considered this complaint and explained that we would not be able to consider the enforce... (1 page)View decision -
Decision Reference DRN-4458022
15 Nov 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-4458022 The complaint Mr F complains that Santander UK Plc closed his bank accounts but continued to allow his current account to operate, including allowing direct debit payments to be made from it. As he result, he ran up a debt which affected his credit rating. What happened Mr F he... (3 pages)View decision -
Decision Reference DRN-3334415
12 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3334415 The complaint Mr S complained that Everyday Lending Limited trading as Everyday Loans lent to him irresponsibly and provided a loan that was unaffordable. What happened Mr S took out a loan with Everyday Loans as follows: Date taken Loan amount Term Monthly repayment Loan statu... (4 pages)View decision
