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 DRN-2573089
2 Aug 2021 Lowell Financial Ltd Not upheldBanking and PaymentsDRN-2573089 The complaint Mr L complains Lowell Financial Ltd are asking him to repay a debt on a credit card they shouldn’t be. Mr L’s also unhappy they’re reporting the debt to the credit reference agencies (CRA’s). What happened The information I have shows the credit card in question w... (4 pages)View decision -
Decision Reference DRN-5583279
9 Jun 2025 Santander UK Plc UpheldConsumer CreditDRN-5583279 The complaint Miss M complains that Santander UK Plc was irresponsible in its lending to her. She wants all interest and charges on her loan refunded along with statutory interest and any adverse information removed from her credit file. What happened Miss M was provided wit... (3 pages)View decision -
Decision Reference DRN1297220
12 Apr 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs B through their representative BF complain that an appointed representative of Legal & General Partnership Services Limited mis-sold them a mortgage. They want compensation.backgroundMr and Mrs B took advice from A, an appointed representative of Legal &... (2 pages)View decision -
Decision Reference DRN-5680186
19 Sep 2025 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-5680186 The complaint Mr F complains that Link Financial Outsourcing Limited (Link) have unfairly declined to write off his account. What happened Mr F’s complaint is about an account, he says he says should be written off on medical grounds or closed due to statute barring. Link se... (3 pages)View decision -
Decision Reference DRN-2880834
18 Aug 2021 Lowell Financial Ltd Not upheldConsumer CreditDRN-2880834 The complaint Miss B complains that Lowell Financial Ltd is reporting outstanding balances on her accounts after telling her the balances would be zero. Miss B is unhappy with the way in which Lowell handled her accounts. What happened Lowell Portfolio I Limited bought several ... (3 pages)View decision -
Decision Reference DRN0438651
9 Feb 2015 Lowell Financial Ltd Not upheldBanking and creditMr G has complained that Lowell Financial Ltd is pursuing him for a debt without having provided him with a copy of the credit agreement which created a debt. He has also complained about a default being recorded against his credit file.backgroundMr G owed money to a third party, which... (1 page)View decision -
Decision Reference DRN1700271
10 Apr 2013 Aktiv Kapital (UK) Limited UpheldBanking and creditMr E complains that that he has been pursued for a debt by Aktiv Kapital (UK) Limited that he does not owe. backgroundMr E received a letter which said that he owed a debt. Mr E disputed the debt and Aktiv Kapital agreed to cease all recovery action but Mr E did not receive any commu... (1 page)View decision -
Decision Reference DRN7551860
30 Sep 2013 Bank of Scotland Plc Not upheldBanking and creditMr C complains that Bank of Scotland plc (trading as Halifax) did not remove his name from the joint account he held with his ex-wife, despite several requests. The account is overdrawn and Mr C is being pursued for the outstanding balance. Mr C disputes that he is responsible for the ac... (1 page)View decision -
Decision Reference DRN2794506
3 Feb 2018 HFC Bank Limited Not upheldPayment protection insurance (PPI)Mr M and Mrs T have complained about the way HFC Bank Limited compensated them for the mis-sale of a payment protection insurance (PPI) policy.backgroundMr M and Mrs T had a loan with HFC, which had a PPI policy.In 2017, they complained about the sale of the PPI ... (2 pages)View decision -
Decision Reference DRN-4457750
15 Mar 2024 Fairscore Ltd UpheldConsumer CreditDRN-4457750 The complaint Miss L complains that Fairscore Ltd (trading as Updraft) irresponsibly agreed a loan for her. What happened Fairscore agreed a loan of £5,000 for Miss L in September 2021. The total amount owed was £7,906 to be repaid in 48 instalments of £165 (figures rounded). M... (3 pages)View decision