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 77095 results
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Decision Reference DRN8257272
18 Dec 2017 Motormile Finance UK Limited Not upheldBanking and creditMr P complains that Motormile Finance UK Limited (“MMF”) is pursuing him, aggressively and illegally, for a debt dating from 2010 which he says he didn’t incur and in any event is now statute barred.backgroundMMF purchased an outstanding payday loan debt made in June ... (2 pages)View decision -
Decision Reference DRN5415398
19 Sep 2019 Legal & General Partnership Services Limited Not upheldBanking and creditAn appointed representative of Legal & General Partnership Services Limited (L&G) made a recommendation to Mr and Mrs P for a remortgage. They also consolidated a credit card debt and three loans into the new mortgage. They complain through their solicitors that the advice was unsu... (3 pages)View decision -
Decision Reference DRN4423815
28 Jun 2013 Bournes Limited UpheldBanking and creditMiss B complains about Bournes Limited’s, (trading as Bournes Debt Solutions) handling of her debt management plan. She has been making her payment to it regularly each month, but only a small amount of that has been used to repay her creditors.backgroundMiss B asked Bournes for help t... (2 pages)View decision -
Decision Reference DRN6797780
21 Nov 2014 Microcredit Limited UpheldBanking and creditMr U has complained that Microcredit Limited, trading as MiniCredit.co.uk has applied excessive charges to a loan of £220 he took out in November 2012. backgroundMr U borrowed £220 from MiniCredit in November 2012. The total amount repayable was £283.80 within 30 days. Mr U entered into... (2 pages)View decision -
Decision Reference DRN0358635
10 Jun 2016 Instant Cash Loans Limited UpheldBanking and creditMiss L complains that Instant Cash Loans Limited (trading as Money Shop) wrongly lent her money she couldn’t afford to pay back.backgroundMiss L took out three loans with the Money Shop. She says that the business didn’t carry out proper affordability checks and allowed... (2 pages)View decision -
Decision Reference DRN-4360779
1 Nov 2023 Swift 1st Limited Not upheldMortgagesDRN-4360779 The complaint Mr and Mrs W have complained to Swift 1st Limited trading as Swift Advances about a second charge loan. The loan was originally taken out with lender W and it was transferred to lender C in May 2018. Lender C then transferred it to Swift in April 2023. Mr and Mrs ... (3 pages)View decision -
Decision Reference DRN-3815722
3 Feb 2023 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-3815722 The complaint Mr J complains about how Sainsbury's Bank Plc (“Sainsbury’s”) dealt with his financial difficulties and that it reported his account as being in default. What happened In 2021, Mr J got in touch with a debt charity to help him with his financial difficulties.... (3 pages)View decision -
Decision Reference DRN3466386
11 Dec 2018 Bank of Scotland Plc Not upheldBanking and creditMr H complains about the amount Bank of Scotland plc (BOS) says he owes on a credit card and that it won’t mediate with him on the repayment of the debt.backgroundMr H had a credit card issued by BOS under one of its trading names. Ultimately, BOS is responsible... (2 pages)View decision -
Decision Reference DRN-4983914
25 Sep 2024 RESOLVECALL LIMITED Not upheldConsumer CreditDRN-4983914 The complaint Mr B complains about the way that Resolvecall Limited tried to collect a debt in his name. What happened In early 2024, Resolvecall was instructed by a third party business I will refer to as C, to try and collect an outstanding debt in Mr B’s name. Mr B was co... (3 pages)View decision -
Decision Reference DRN1589949
7 Oct 2015 CitiFinancial Europe Plc UpheldBanking and creditMr B has complained CitiFinancial Europe Plc gave a credit card to his father without assessing whether he could afford to pay.Mr B is representing his father’s estate in this complaint. backgroundMr B’s father died in April 2014. He found out his father had taken... (2 pages)View decision