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 70370 results
-
Decision Reference DRN9117418
26 Jun 2013 Paratus AMC Limited Not upheldBanking and creditMr and Mrs V have complained that they were mis-sold a mortgage by Paratus AMC Limited in 2005.backgroundIn 2005 Mr and Mrs V approached Paratus for assistance with a remortgage. Paratus recommended that they should take a mortgage with a sub-prime lender and Mr and Mrs V took out the... (2 pages)View decision -
Decision Reference DRN3849024
26 Sep 2014 HSBC Bank plc Not upheldBanking and creditMr and Mrs F complain that HSBC Bank Plc is acting unfairly in taking legal action to enforce security it says they gave for their son’s borrowing. They ask that HSBC reduces their liability and removes the charge over their house.backgroundIn 2007 Mr and Mrs F provided a legal charge o... (3 pages)View decision -
Decision Reference DRN9985061
14 Jan 2014 Santander Cards UK Limited Not upheldBanking and creditMr F complains that Santander Cards UK Limited registered a County Court Judgment (CCJ) against him despite his repeated attempts to settle a debt. It then did not update his credit file after he settled the account as ordered by the court. He asks for compensation and significant d... (2 pages)View decision -
Decision Reference DRN6217209
20 Aug 2013 MBNA Limited Not upheldBanking and creditMs Q complains that MBNA Limited wrongly pursued her for repayment of a credit card debt and sold it to a third party collection agency when it had no right to do so. She says the debt is unenforceable as MBNA has been unable to provide her with the signed credit agreement and terms and... (2 pages)View decision -
Decision Reference DRN1911678
16 Jan 2014 TSB Finance Not upheldBanking and creditMr and Mrs D complain, through their representatives, that they were mis-sold a mortgage by TSB Finance (“TSB”), a broker.backgroundIn 2005, Mr and Mrs D were looking to re-mortgage and sought advice from TSB. They were advised to take out a repayment mortgage over 15 years with a subs... (2 pages)View decision -
Decision Reference DRN7752184
11 Jul 2017 Paragon Finance Plc Not upheldBanking and creditMr H complains that Paragon Finance PLC have not reported arrears correctly to the credit reference agencies.backgroundMr H’s three credit card debts were originally sold in 2012. Paragon Finance PLC (trading as Idem) acquired them in December 2016. Idem say that, prior... (2 pages)View decision -
Decision Reference DRN5920050
8 Oct 2019 Kapama Limited UpheldBanking and creditComplaintMr C complains that Kapama Limited unfairly administered his account concerning the amount and validity of the debt.BackgroundMr C took out a loan for £100 with lender M in November 2012. M entered liquidation and Mr C’s debt was sold to Kapama Limited. Mr C’s account balance with... (3 pages)View decision -
Decision Reference DRN4136741
14 Nov 2017 Capquest Debt Recovery Limited Not upheldBanking and creditMrs C complains that Capquest Debt Recovery Limited is pursuing her for a debt she doesn’t think she owes.backgroundMrs C complained to CDR about this matter. And, being unhappy with its response, she complained to this service.Our investigator thought Mrs C’s complaint ... (2 pages)View decision -
Decision Reference DRN-4871227
25 Jun 2024 Admiral Financial Services Limited Not upheldConsumer CreditDRN-4871227 The complaint Mr M is complaining that Admiral Financial Services Limited trading as Admiral Money (Admiral) lent to him irresponsibly by providing him with a personal loan. What happened In January 2023, Admiral approved Mr M’s application for a £5,000 loan to consolidate his ... (5 pages)View decision -
Decision Reference DRN8959550
24 Sep 2014 Arrow Global Limited Not upheldBanking and creditMr N complains that Arrow Global Limited is pursuing him for a debt on a credit card account that is not his.Further, he complains that, in any event, Arrow has not shown it owns the debt.our initial conclusions Our adjudicator did not consider that the complaint should be upheld. She wa... (1 page)View decision
