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-1639293
3 Mar 2021 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-1639293 The complaint Miss B complains that Lowell Portfolio I Ltd offset a Payment Protection Insurance (PPI) redress for a mis-sold policy against her account. What happened Miss B had a credit account with S, an online retailer. With a balance of £2,537.86 outstanding, S sold the de... (2 pages)View decision -
Decision Reference DRN1639629
12 Dec 2014 Cabot Financial (Europe) Limited Not upheldBanking and creditMr F is unhappy with a default that Cabot Financial (Europe) Limited has registered on his credit file.backgroundMr F entered into a debt management plan (DMP) in 2005 with the owner of one of his debts. Mr F says the account was defaulted at this time. The debt was later transferre... (2 pages)View decision -
Decision Reference DRN4879694
17 Sep 2015 Clear View Finance Limited UpheldBanking and creditMs D complains Clear View Finance Limited agreed to help her reduce her debts but hasn’t done so.backgroundIn 2012 Ms D agreed that Clear View would help her reduce her debts. Ms D says she was told her plan would last less than three years. In 2015 Ms D complained t... (2 pages)View decision -
Decision Reference DRN4540038
31 Jan 2017 Santander UK Plc Not upheldBanking and creditMr A complains that Santander UK Plc entered his debts into a debt management plan without his consent.backgroundIn January 2009 Mr A’s late wife signed a form authorising her creditors to disclose to a debt management company any information that company required. T... (2 pages)View decision -
Decision Reference DRN8738219
13 Apr 2015 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr M’s complaint is about a payment protection insurance (PPI) policy taken out with a credit card. Capital One (Europe) plc (Capital One) used the compensation it offered to reduce the debt Mr M owes them. But Mr M wants Capital One to pay the compensation directly to... (3 pages)View decision -
Decision Reference DRN2587737
19 Sep 2014 Motormile Finance UK Limited UpheldBanking and creditMrs Y has complained that Motormile Finance UK Limited, trading as MMF, did not tell her that they now owned three of her debts. They also did not respond to her requests to deal with her in writing.backgroundMrs Y has some debts which she had not paid. These were sold to MMF who con... (2 pages)View decision -
Decision Reference DRN2548506
31 Mar 2015 Lowell Financial Ltd Not upheldBanking and creditMrs T complains that Lowell Financial Limited (“LFL”) was wrong to send letters chasing a debt to her previous address and harass her for repayments she can’t afford. background Mrs T obtained a joint loan with a family member from a third party lender. In 2013 ... (2 pages)View decision -
Decision Reference DRN1727577
7 Nov 2017 HSBC Bank plc Not upheldBanking and creditMr M complains that the debt that he owes to HSBC Bank plc is unenforceable because it hasn’t sent him annual account statements.backgroundMr M had credit agreements with HSBC and it says that he owed it £22,878.52 and £2,168.88 in 2003. The accounts were then defaulted ... (2 pages)View decision -
Decision Reference DRN0551622
10 Aug 2018 Tesco Personal Finance PLC Not upheldPayment protection insurance (PPI)Mr K has complained about the compensation he’s been offered by Tesco Personal Finance PLC (‘Tesco’) for the payment protection insurance (‘PPI’) policy that was sold to him on his credit card account. backgroundMr K was sold a PPI policy on his credit card account... (3 pages)View decision -
Decision Reference DRN-2487666
6 May 2021 National Westminster Bank Plc Not upheldInsuranceDRN-2487666 The complaint Mr I has complained about the way National Westminster Bank PLC (“NatWest”) has used the compensation it offered to settle his complaint about the mis-sale of a payment protection insurance (“PPI”) policy taken out alongside a credit card. What happened Mr I appli... (4 pages)View decision
