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 DRN8858281
10 Mar 2017 Paragon Finance Plc Not upheldBanking and creditMr U complains Paragon Finance PLC (of which Idem Servicing is a trading style) has recorded incorrect information on his credit file. backgroundMr U originally took out a loan with Citifinancial. The loan was for £15,000 repayable at £324.06 over 60 months. Citifinancial ... (3 pages)View decision -
Decision Reference DRN-1316757
13 Feb 2020 Cabot Credit Management Group Limited UpheldConsumer CreditDRN-1316757 The complaintMr B is unhappy that Cabot Credit Management Group Limited gave him confusing information about whether he still owed money or not. What happenedAfter Mr B got into financial difficulty with maintaining his contractual financial commitments, he arranged regular mon... (3 pages)View decision -
Decision Reference DRN-2739291
12 May 2021 Lowell Financial Ltd Not upheldConsumer CreditDRN-2739291 The complaint Miss Y complains Lowell Financial Ltd are asking her to repay debts that aren’t hers. A representative has helped Miss Y bring this complaint, but for simplicity I’ll just refer to her in this decision. What happened Miss Y started receiving contact from Lowell re... (3 pages)View decision -
Decision Reference DRN7228409
10 Mar 2015 Arrow Global Limited UpheldBanking and creditMr T complains that Arrow Global Ltd (the business) is chasing him about debt that is not his.backgroundMr T was contacted by agents acting on behalf of the business about two outstanding debts. He says that the debts are not his. He says that he has no association with the address that ... (2 pages)View decision -
Decision Reference DRN4195375
2 Dec 2015 Northern Bank Limited UpheldPayment protection insurance (PPI)Mr D has complained about a single premium payment protection insurance (PPI) policy sold to him by Northern Bank Limited (Northern Bank). backgroundIn 2005, Mr D took out a £15,000 loan over 5 years with Northern Bank. At the same time, Northern Bank sold him a PPI pol... (2 pages)View decision -
Decision Reference DRN6974692
21 Dec 2016 Clydesdale Bank Plc UpheldPayment protection insurance (PPI)Mrs M is now bringing the complaint on behalf of her late husband, Mr M, about how Clydesdale Bank Plc (Clydesdale) has dealt with the compensation due for mis-selling a number of payment protection insurance (PPI) policies.BackgroundMr M complained to Clydesdale about... (3 pages)View decision -
Decision Reference DRN6789105
27 Feb 2019 Connells Limited UpheldBanking and creditMr G and Miss I complain that Connells Limited, a broker, made errors in relation to theirremortgage, which left them with a shortfall.background I set out the background to this complaint in my provisional decision, an extract of which is set out below and forms ... (4 pages)View decision -
Decision Reference DRN-2955123
18 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2955123 The complaint Mr F complains that NewDay Ltd irresponsibly allowed him to open three credit card accounts which were unaffordable and also increased the credit limit on one of the accounts. What happened Mr F says he opened three NewDay credit card accounts all of which were un... (3 pages)View decision -
Decision Reference DRN3313563
3 Dec 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr D complains that he was mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).backgroundMr D took mortgage advice from L&G, and – acting on its recommendation – redeemed his existing mortgage and took out another. In doi... (2 pages)View decision -
Decision Reference DRN6263556
2 Dec 2014 Barclays Bank Plc Not upheldBanking and creditMr and Mrs H have complained at the way in which Barclays Bank Plc has administered their mortgage account. In particular they say: without notice or consent Barclays used money raised from a third party and paid into their Mortgage Current Account (MCA) to reduce the MCA reserve; Bar... (3 pages)View decision