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 70502 results
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Decision Reference DRN-2833279
24 May 2021 Home Retail Group Card Services Limited UpheldConsumer CreditDRN-2833279 The complaint Ms J is unhappy with the information Home Retail Group Services Limited trading as Argos Card (‘Argos’), reported to the credit reference agencies while she was in a debt management plan. What happened In 2012, Ms J entered into a store card agreement with Argos. ... (4 pages)View decision -
Decision Reference DRN-5318700
17 Feb 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5318700 The complaint Ms H complains the communication from Cabot Credit Management Group Limited trading as Cabot Financial (Europe) Limited is causing her significant distress. What happened Ms H had a loan with a company I’ll refer to as L. She’s said during a particularly vulne... (4 pages)View decision -
Decision Reference DRN0608136
29 Sep 2016 Gregory Pennington Limited Not upheldBanking and creditMiss M complains that Gregory Pennington Limited, (“GPL”), didn’t provide her with satisfactory advice about her debt management plan (“DMP”). The complaint is brought to this service on Miss M’s behalf by a claims management company (“CMC”). But for ease, I shall refer ... (2 pages)View decision -
Decision Reference DRN-4536075
3 Jan 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4536075 The complaint Miss J complains Barclays Bank UK PLC closed her account without telling her, and then refused to help her transfer her direct debits (DD) to a new account with Barclays. What happened I issued a provisional decision setting out what’d happened, and what I thought... (5 pages)View decision -
Decision Reference DRN8350571
7 Dec 2015 Mortgages 4 U (North West) Limited Not upheldBanking and creditMiss B and Mr H complain that Mortgages 4 U (North West) Limited didn’t advise them properly when they re-mortgaged their property. And they want compensation for their losses and a refund of fees and interest.backgroundIn 2006 Miss B and Mr H wanted to re-mortgage t... (2 pages)View decision -
Decision Reference DRN2482230
15 Dec 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr C complains that he wasn’t provided with satisfactory information about his debt management plan (“DMP”), which was sold to him by a third party (“T”). The DMP was then passed to Harrington Brooks (Accountants) Limited, trading as Harrington Brooks Debt Management, (... (2 pages)View decision -
Decision Reference DRN-5145980
14 Nov 2024 Topaz Finance Limited Not upheldMortgagesDRN-5145980 The complaint Mr and Mrs C complain that Topaz Finance Limited (trading as Hessonite Mortgages) keeps contacting them about a mortgage debt they don’t believe they owe. What happened Mr and Mrs C had a mortgage with another provider. That provider wrote to them in late 2023... (3 pages)View decision -
Decision Reference DRN-3259604
2 Feb 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3259604 The complaint Miss R complains that Bank of Scotland plc trading as Halifax (Halifax) lent to her irresponsibly. What happened In January 2016, Miss R applied for a credit card from Halifax. It was agreed with a limit of £750. Further increases were agreed as follows: Date Lim... (3 pages)View decision -
Decision Reference DRN-3058054
26 Nov 2021 Nationwide Building Society UpheldConsumer CreditDRN-3058054 The complaint Mr M has complained that Nationwide Building Society’s decision to provide him with overdraft facilities, a credit card and a number of loans when he was gambling excessively, was irresponsible. Background Mr M opened a current account with Nationwide in 2008. Bet... (6 pages)View decision -
Decision Reference DRN3046307
20 Jun 2013 Lloyds TSB Bank Plc UpheldBanking and creditThe three partners of a small, family business complain about the amount of money Lloyds TSB Bank Plc is seeking to recover from them.backgroundI issued my provisional decision in May 2013, a copy of which is attached and forms part of my final decision. My provisional decision set o... (3 pages)View decision
