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
-
Decision Reference DRN0232013
8 Jul 2016 Capital One (Europe) plc UpheldPayment protection insurance (PPI)Mr P’s complaint is that Capital One (Europe) plc has used compensation from a mis-sold payment protection insurance (PPI) policy to reduce a debt it says he owes.backgroundMr P opened a credit card account with Capital One in October 2004. At the same time he was s... (7 pages)View decision -
Decision Reference DRN7801485
18 Apr 2013 William Goldberg Limited UpheldBanking and creditMiss J complains about the way William Goldberg administered her debt management plan and the adverse effect she says this had on her debts and credit file. backgroundMiss J signed up to a debt management plan with William Goldberg in 2009. In 2010 her account was transferred to ano... (3 pages)View decision -
Decision Reference DRN5513188
26 Aug 2015 Totemic Limited UpheldBanking and creditMr W complains that Totemic Limited (trading as Payplan) made payments to his creditors after he had instructed it not to do so. He also complains that Payplan closed his account meaning he no longer has access to the information he needed. background Mr W was in a ... (3 pages)View decision -
Decision Reference DRN-4922380
20 Aug 2024 Lendable Ltd Not upheldConsumer CreditDRN-4922380 The complaint Miss C complains that Lendable Ltd lent irresponsibly when it approved her loan application. What happened Mss C applied for a debt consolidation loan with Lendable in May 2021 for £20,000 plus interest and fees. In her application, Miss C says she was renting ... (3 pages)View decision -
Decision Reference DRN5671932
2 Sep 2014 Capital One (Europe) plc Not upheldBanking and creditcomplainMs T complains that Capital One (Europe) plc failed to meet its obligations to assist her when she was having financial difficulties. She wants a refund of all the interest and charges taken from her credit card account.Ms T is represented in her complaint by her daughter, Miss T... (2 pages)View decision -
Decision Reference DRN2452559
10 Feb 2020 Caversham Finance Limited UpheldBanking and creditMs W complains that Caversham Finance Limited, trading as Brighthouse, won’t refund payments she made to her daughter’s account in error. backgroundMs W’s daughter took out finance with Brighthouse and made purchases whilst living at home with Ms W. In December 2016 Ms W’s daughter left ho... (3 pages)View decision -
Decision Reference DRN-4871460
10 Jul 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-4871460 The complaint Mr F complains that Nationwide Building Society recorded a default marker on his credit file following his bankruptcy. What happened In May 2019 Mr F was made bankrupt. His debt to Nationwide was included in the bankruptcy. After the bankruptcy, his debt was defau... (2 pages)View decision -
Decision Reference DRN-4038306
4 Aug 2023 Oakbrook Finance Limited Not upheldConsumer CreditDRN-4038306 The complaint Mr S complains that Oakbrook Finance Limited, trading as Likely Loans, (“Likely Loans”) has not made a fair and reasonable offer in settlement of his complaint. What happened In 2019 Likely Loans provided Mr S with a loan of £1,000. In 2022 Mr S complained that it... (2 pages)View decision -
Decision Reference DRN0801657
17 Aug 2017 Amigo Loans Ltd Not upheldBanking and creditMs S complains that Amigo Loans Ltd failed to notify the court that she settled her account which resulted in a charging order being placed on her property.backgroundIn 2014 Amigo Loans obtained a county court judgment against Ms S in respect of a loan which she had ... (2 pages)View decision -
Decision Reference DRN-5857763
4 Feb 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5857763 The complaint Mr G complains that HSBC UK Bank Plc responded unfairly when he got into financial difficulties. What happened Mr G says that HSBC first wrote to him on 7 April 2022 to tell him that he was in persistent debt due to insufficient payments on his credit card. He... (3 pages)View decision