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 DRN5465724
1 Mar 2017 Cabot Financial (Europe) Limited Not upheldBanking and creditMr A, represented by Ms A, complains that Cabot Financial (Europe) Limited (the business) has provided incorrect information about the debts he has outstanding. He also complains that it has not responded to the letters sent in regard to his complaint. backgroundMr A says... (3 pages)View decision -
Decision Reference DRN-5137196
12 Nov 2024 Evolution Lending Limited UpheldMortgagesDRN-5137196 The complaint Mr and Mrs Y complain that Evolution Lending Limited irresponsibly lent them a second charge mortgage (secured loan). What happened Mr and Mrs Y have taken out a series of secured loans with Evolution – in September 2016, April 2017, June 2018 and September 202... (5 pages)View decision -
Decision Reference DRN1317390
18 Jul 2013 Executive Benefit Consultancy Limited Not upheldBanking and creditMrs V took mortgage advice from Executive Benefit Consultancy Limited when buying her home in 2005 and remortgaging in 2008. She complains about that advice. In particular, she says it advised her to consolidate her unsecured debts with the mortgages but did not obtain full details ... (2 pages)View decision -
Decision Reference DRN-2385029
26 Jan 2021 Oakbrook Finance Limited Not upheldConsumer CreditDRN-2385029 The complaint Mr R complains that Oakbrook Finance Limited trading as Likely Loans (Likely Loans) registered a default on his credit file. What happened Mr R had a loan with Likely Loans. He was having difficulty in making the repayments. He set up a temporary payment plan with... (3 pages)View decision -
Decision Reference DRN0763020
17 Mar 2017 Cleardebt Limited UpheldBanking and creditMr M complains that ClearDebt Limited shouldn’t have sold him an Individual Voluntary Arrangement (“IVA”). The complaint is brought to this service on Mr M’s behalf by an independent adviser. But for ease, I shall refer below to all actions being taken by Mr M unless sta... (2 pages)View decision -
Decision Reference DRN0077227
30 Sep 2014 Capital One (Europe) plc UpheldBanking and creditMr C complains that Capital One (Europe) plc (“the bank”) continues to hold him liable for debt on a credit card that he never took out and that does not belong to him.backgroundMr C became aware that his identity had been stolen when he started receiving collections letters from variou... (2 pages)View decision -
Decision Reference DRN3208805
28 May 2019 National Westminster Bank Plc Not upheldBanking and creditMrs L complains that National Westminster Bank Plc unfairly chased her for repayment of a loan.background In November 2006 Mrs L took out a loan with NatWest. It had a repayment term of 10 years.In August 2016 she called them to check that the repayments were due... (3 pages)View decision -
Decision Reference DRN-2974908
1 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2974908 The complaint Miss H complains that NewDay Ltd (NewDay) lent to her irresponsibly. What happened Miss H applied for an Aqua credit card from NewDay in April 2016. This was agreed with a limit of £250. The debt was passed to a debt collection agency in February 2019 and repaid i... (2 pages)View decision -
Decision Reference DRN3928729
2 Mar 2020 Gain Credit LLC UpheldBanking and creditMr M complains about the service he received from Gain Credit LLC (trading as Lending Stream) after he told it he was in financial difficulties.backgroundMr M had one loan from Lending Stream on 1 May 2017 for £250. It was due to be repaid in six instalments, the largest of which was £106.... (3 pages)View decision -
Decision Reference DRN-3084584
4 Oct 2021 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3084584 The complaint Miss L complains that Creation Consumer Finance Ltd (CCFL) were irresponsible in approving her loan application for £9,900. What happened On 5 January 2018 CCFL approved Miss L’s online loan application. She was given a loan for £9,900 over a 60-month term at 14.9... (4 pages)View decision
