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 69710 results
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Decision Reference DRN-2349591
4 Mar 2021 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-2349591 The complaint Miss B complains that Lantern Debt Recovery Services Ltd is unfairly chasing her for a debt. What happened Lantern bought an outstanding debt from company W in 2019. And it seeks repayment of the debt from Miss B. Miss B says that it’s unfair of Lantern to contact... (2 pages)View decision -
Decision Reference DRN-1516162
2 Oct 2020 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-1516162 The complaint Mr H says he’s been treated unfairly because even though he made his payments to his debts Link Financial Outsourcing Limited (LINK for short) still defaulted him. What happened Link says it bought this ‘pre default status’ debt (relating to a credit agreement) fr... (3 pages)View decision -
Decision Reference DRN5773225
26 Nov 2014 R. Raphael & Sons Plc Not upheldBanking and creditMr M complains that he was mis-sold a Payment Break Plan (PBP) and had problems communicating with R. Raphael & Sons Plc (trading as Monument). He wants compensation. background Mr M got a credit card with Monument in 2001. A PBP was added to his account at the same time. He got i... (2 pages)View decision -
Decision Reference DRN9477943
26 Feb 2014 First Complete Ltd Not upheldBanking and creditMr M is dissatisfied with mortgage advice he received from First Complete Limited. backgroundMr M re-mortgaged his house following advice from an appointed representative of First Complete. Through a claims management company he made the following complaints to First Complete about t... (3 pages)View decision -
Decision Reference DRN-2175199
30 Sep 2020 OVO (S) HOME SERVICES LIMITED UpheldInsuranceDRN-2175199 The complaint Mr R complains about the way OVO (S) Home Services Limited (OVO) pursued him for a debt it said he owed on his cancelled home services policy. What happened In June 2018 Mr R renewed his boiler home services policy with OVO. Mr R opted to pay his premium in twelve... (3 pages)View decision -
Decision Reference DRN9410539
28 May 2014 Microcredit Limited UpheldBanking and creditMr A complains about how Microcredit Limited (trading as MiniCredit.co.uk) has responded to his financial difficulties.backgroundMr A took out a loan with Microcredit. A few days later he contacted it to say that he would not be able to afford to repay the loan. He asked Microcredit if... (3 pages)View decision -
Decision Reference DRN5913258
26 Oct 2015 Legal & General Partnership Services Limited Not upheldBanking and creditThis complaint is about a mortgage arranged for Mr and Mrs K by an adviser connected with Legal & General Partnership Services Limited (“L&G”). Mr and Mrs K feel they weren’t given good advice. They’re particularly concerned about the suitability of the advise... (3 pages)View decision -
Decision Reference DRN9914697
2 Jul 2019 Hoist Finance UK Limited Not upheldBanking and creditMrs R complains about the way Hoist Finance UK Limited handled her account and she disputes the amount they say she owes them.backgroundMrs R had an account with a bank which was overdrawn. In July 2016, the bank sold the debt to Hoist.Mrs R has been repaying the debt on a monthly basis si... (2 pages)View decision -
Decision Reference DRN-3265597
20 Jan 2022 Link Financial Outsourcing Limited UpheldConsumer CreditDRN-3265597 The complaint Miss R complains Link Financial Outsourcing Limited aren’t writing off a debt she owes them when there’s no reasonable prospect of her ever repaying it. What happened I issued a provisional decision, setting out what’d happened, and what I thought about that. I’ve... (3 pages)View decision -
Decision Reference DRN6330097
6 Nov 2013 Santander Cards UK Limited Not upheldBanking and creditMrs B complains that she is being pursued by Santander Cards UK Limited for debts on two store cards which she says it agreed to write off.backgroundMrs B complained to Santander in 2012, that it had contacted her about debts on two store cards which, she says, it had agreed to write... (2 pages)View decision
