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 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 DRN9001392
24 Sep 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr S complains that The Royal Bank of Scotland Plc treated him unfairly when he was experiencing financial difficulties.backgroundMr S says that RBS didn’t treat him fairly when he was in financial difficulty – its actions made his situation worse. He says it took m... (2 pages)View decision -
Decision Reference DRN-3300214
31 Mar 2022 Wescot Credit Services Limited Not upheldConsumer CreditDRN-3300214 The complaint Mr B complains about the way that Wescot Credit Services Limited has managed a debt in his name. Mr B says that poor handling of the situation has impacted on his health. What happened Wescot has been managing the collection of a debt in Mr B’s name since 2013. Th... (2 pages)View decision -
Decision Reference DRN-2846265
20 Jul 2021 TFS Loans Limited UpheldConsumer CreditDRN-2846265 The complaint Mr L has complained that TFS Loans Limited (“TFS”) acted irresponsibly by accepting his loan application because he couldn’t afford the repayments. What happened Mr L approached TFS for a loan through an intermediary. He gave the purpose of the loan as debt conso... (8 pages)View decision -
Decision Reference DRN5657174
19 Nov 2018 Hillingdon Credit Union Limited Not upheldBanking and creditMiss E complains that Hillingdon Credit Union Limited (HCU) treated her unfairly in the way they sought repayment of a loan.backgroundMiss E took out a loan for around £6500 with HCU in July 2015.She made the agreed monthly repayments until December 2016. After that,... (4 pages)View decision -
Decision Reference DRN-2197538
30 Nov 2020 Hoist Finance UK Limited Not upheldBanking and PaymentsDRN-2197538 The complaint Mr W complains that Hoist Finance UK Limited hasn’t accepted an offer of settlement he’s made regarding the repayment of a debt. He also complains about the entry its recorded on his credit file and says it misleading. What happened Mr W tells us that he’d been m... (3 pages)View decision -
Decision Reference DRN-3361763
25 Mar 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3361763 The complaint Mrs A complains that HSBC UK Bank Plc (HSBC) incorrectly told her that a debt she had fully paid off would be reported to the credit reference agencies as ‘partially satisfied’. She also says that HSBC also did not consider the evidence she submitted in support of... (3 pages)View decision -
Decision Reference DRN-4606069
20 Mar 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4606069 The complaint Miss S complains that Barclays Bank UK PLC, trading as Barclaycard, has recorded late payments on her credit file despite her keeping to a Debt Arrangement Scheme. What happened In 2018 Miss S entered a Debt Payment Programme (DPP) under the Debt Arrangement Schem... (2 pages)View decision -
Decision Reference DRN2955985
2 Feb 2015 Westhill Financial Services Limited Not upheldBanking and creditMr and Mrs T complain – through their representatives - that Westhill Financial Services Limited mis-sold their mortgage.backgroundIn December 2007 Mr and Mrs T (then aged 44 and 43 respectively) consulted Westhill about a remortgage on their property, which was then valued at £130,0... (2 pages)View decision -
Decision Reference DRN-4873972
30 Oct 2024 Oakbrook Finance Limited Not upheldConsumer CreditDRN-4873972 The complaint Miss B complains that Oakbrook Finance Limited, trading as Likely Loans, sold her debt and has reported incorrect markers on her credit file. What happened Miss B took a loan out with Oakbrook in February 2021. She contacted Oakbrook in April 2023 because her c... (3 pages)View decision