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 77331 results
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Decision Reference DRN-3378071
10 Jun 2022 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-3378071 The complaint Mr M complains that Cabot Credit Management Group Limited is pursuing him for debt that has previously been decided need not be paid. What happened Mr M says he made a previous complaint about a business I will call “N” which was upheld in his favour. He says it w... (2 pages)View decision -
Decision Reference DRN-2831555
9 Aug 2021 Oakbrook Finance Limited Not upheldConsumer CreditDRN-2831555 The complaint Miss B complains that Oakbrook Finance Limited trading as Likely Loans (Likely Loans) provided lending to her which was unaffordable and irresponsible. She says that she had significant debt at the time of the lending. What happened In January 2017 Miss B applied ... (3 pages)View decision -
Decision Reference DRN5850967
10 Feb 2016 Santander UK Plc UpheldBanking and creditMrs W complains about Santander UK plc giving her inadequate and confusing information on arrangements to pay debts on her accounts, and about how it dealt with her complaint.backgroundMrs W had a reduced payment arrangement to pay off arrears on four accounts which... (2 pages)View decision -
Decision Reference DRN-4414608
13 Nov 2023 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4414608 The complaint Mr P complains that Tesco Personal Finance PLC trading as Tesco Bank (‘Tesco Bank’) irresponsibly gave a loan that he couldn’t afford. What happened In July 2016 Mr P asked for and was given a loan for £6,000 which had a term of five years. The purpose of the loan... (3 pages)View decision -
Decision Reference DRN3769195
4 Aug 2015 Capital One (Europe) plc UpheldPayment protection insurance (PPI)Mr R complained he was mis-sold payment protection insurance (PPI) with a loan with Capital One (Europe) plc (Capital One).backgroundMr R took out a loan with Capital One in 2005 (first loan), he refinanced this loan with a new loan in 2006 (second loan) and borrowed... (2 pages)View decision -
Decision Reference DRN3789832
5 Dec 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr A has complained Harrington Brooks (Accountants) Limited, trading as Harrington Brooks Debt Management, didn’t advise him properly when he started his debt management plan. He feels a Debt Relief Order would have been more appropriate.Mr A is represented by a claims m... (2 pages)View decision -
Decision Reference DRN-2916461
21 Sep 2021 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-2916461 The complaint Mrs C complains that HSBC UK Bank Plc treated her unfairly when threatening to take legal action and registering a default in respect of a debt on a joint account What happened Mrs C and her ex-partner held a joint account with HSBC. Mrs C says her ex-partner was ... (5 pages)View decision -
Decision Reference DRN4406675
30 Sep 2015 Liverpool Victoria Friendly Society Limited Not upheldPayment protection insurance (PPI)Mr W’s complaint is about mis-sale of a payment protection insurance (PPI) policy and the way Liverpool Victoria Friendly Society Limited (Liverpool Victoria) plans to use the compensation it has offered to put this right.backgroundMr W complained that Liverpool Vict... (2 pages)View decision -
Decision Reference DRN-3794890
11 Nov 2022 Bennetts Motorcycling Services Limited Not upheldInsuranceDRN-3794890 The complaint Mr R complains about the fees charged by Bennetts Motorcycling Services Limited trading as Bennetts when he cancelled a motorcycle insurance policy. Mr R’s also unhappy that an outstanding debt related to these fees was passed to a debt collection agency, and the ... (3 pages)View decision -
Decision Reference DRN-2756468
21 Jul 2021 Gain Credit LLC Not upheldConsumer CreditDRN-2756468 The complaint Mr R complains that Gain Credit LLC (trading as Lending Stream) was irresponsible to lend to him. What happened Mr R took out a £450 loan with Lending Stream on 10 October 2017. It was due to be repaid with 6 monthly instalments, the highest of which was £198, wit... (3 pages)View decision