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
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Decision Reference DRN-2967578
25 Aug 2021 Home Retail Group Card Services Limited Not upheldBanking and PaymentsDRN-2967578 The complaint Ms H is unhappy that Home Retail Group Card Services Limited (Argos) are reporting arrears to her credit file. What happened In October 2019, Ms H emailed Argos and advised that she‘d sought help from a debt charity to help her manage her financial affairs. Ms H’s... (2 pages)View decision -
Decision Reference DRN-3797903
10 Nov 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3797903 The complaint Ms B is complaining that HSBC UK Bank Plc closed her credit card account. What happened Ms B had a credit card account with HSBC. In September 2016, September 2017 and September 2018 HSBC sent Ms B ‘persistent debt letters’ which explained that she was only making... (5 pages)View decision -
Decision Reference DRN-4791842
17 May 2024 Fairscore Ltd UpheldConsumer CreditDRN-4791842 The complaint Miss P complains that Fairscore Ltd trading as Updraft lent irresponsibly when it approved three loans within a short period of time. What happened In April 2022 Miss P applied for a loan of £10,000 with Updraft for debt consolidation purposes. In the application,... (3 pages)View decision -
Decision Reference DRN9094339
1 Nov 2017 Lowell Financial Ltd UpheldBanking and creditMiss L complains that Lowell Financial Ltd didn’t send her written confirmation that she’d cleared a debt - despite it promising to do so. She said this caused her worry and stress. She wants compensation.backgroundMiss L tells us she finished paying a debt to Lowe... (2 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 DRN3079544
9 Feb 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs B complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).background Acting on advice from L&G, Mr and Mrs B re-mortgaged. In doing so, they shortened the term of their mortgage from 13 to ... (2 pages)View decision -
Decision Reference DRN9395537
21 Sep 2016 Lowell Portfolio I Ltd Not upheldBanking and creditMr C complains that Lowell Portfolio I Ltd has recorded a default on his credit file. He says that he does not know anything about the debt to which this default relates. He wants Lowell to remove the default.backgroundThe background to this complaint, and my init... (3 pages)View decision -
Decision Reference DRN4214992
23 Jul 2018 Lantern Debt Recovery Services Ltd Not upheldBanking and creditMiss P has complained about the way that Lantern Debt Recovery Services Ltd (“Lantern”) has acted in pursuing a debt that it took over from another business in 2014.backgroundMiss P had taken out a £200 payday loan some years ago which she was unable to repay.... (3 pages)View decision -
Decision Reference DRN7559973
12 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs C complain that Legal & General Partnership Services Limited (L&G) wrongly advised them to consolidate their credit card debt with their new mortgage when they were re-mortgaging their house.backgroundMr and Mrs C are represented by a claims management... (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
