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 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 DRN8900889
5 Sep 2017 Paragon Finance Plc UpheldBanking and creditMrs B complains that Paragon Finance Plc (trading as Idem) caused her significant distress when they chased her about a debt her ex husband had been paying for them both. backgroundMrs B had joint loans with her ex husband Mr B. He’d been paying the debts over the... (2 pages)View decision -
Decision Reference DRN1794683
7 Dec 2015 Bank of Scotland Plc Not upheldBanking and creditMr C complained because he believed Bank of Scotland plc (BoS), misled him about whether or not the organisation chasing his debt were solicitors.backgroundMr C had a credit card with BoS, which defaulted in 2009. He received letters about the debt, which were headed w... (2 pages)View decision -
Decision Reference DRN-3198236
9 Dec 2021 UK Credit Limited UpheldConsumer CreditDRN-3198236 The complaint Mr K complains that UK Credit Limited lent to him irresponsibly without doing sufficient affordability checks or properly assessing signs of over indebtedness. What happened Mr K was given a single loan by UK Credit. Mr K told UK Credit that he would use the loan ... (5 pages)View decision -
Decision Reference DRN1998343
27 Jul 2016 Debt Advisory Line Limited Not upheldBanking and creditMr and Mrs C complain that Debt Advisory Line Limited (DAL) mis-sold a debt management plan (DMP) to them.backgroundMr and Mrs C made an agreement with DAL to use its services in July 2012. They say that DAL should have told them that similar services to those ... (3 pages)View decision -
Decision Reference DRN-4383729
4 Oct 2023 Bridgewater Support Solutions Ltd UpheldConsumer CreditDRN-4383729 The complaint Mr O has complained that Bridgewater Support Solutions Ltd (trading as DFH Financial Solutions) didn’t administer his debt management plan properly. What happened Mr O had a debt management plan with DFH, which ran from summer 2020 until summer 2022. He complains ... (3 pages)View decision -
Decision Reference DRN1285550
26 Sep 2017 NRAM plc Not upheldBanking and creditMs B complains that NRAM plc has behaved incorrectly when chasing her for a debt which it had previously told her was all paid off.Ms B is represented in her complaint by a firm I’ll call “C”. But for ease of reading I only refer to Ms B. I do this even where it ... (4 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