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 70772 results
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Decision Reference DRN2923843
15 Mar 2016 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr D is complaining about the way his compensation has been paid in relation to a mis-sold payment protection insurance (“PPI”) policy by Capital One (Europe) plc (“Capital One”).backgroundI issued a provisional decision on this complaint in February 2016.Capital One agreed... (2 pages)View decision -
Decision Reference DRN0250761
25 Jun 2015 Capital One (Europe) plc UpheldBanking and creditMr R complains about the way that Capital One (Europe) plc has managed his defaulted account. backgroundMr R’s account defaulted in December 2009. His debt was passed on to different collection agencies before being returned to Capital One and sold on again. In January 2... (2 pages)View decision -
Decision Reference DRN6785777
26 Jan 2016 Legal & General Partnership Services Limited UpheldBanking and creditThis complaint is about a mortgage arranged for Mr and Mrs T by an adviser connected with Legal & General Partnership Services Limited (L&G).Mr and Mrs T feel they weren’t properly advised about debt consolidation and they’ve been financially disadvantaged as a r... (3 pages)View decision -
Decision Reference DRN6085494
4 Apr 2013 Cfo Lending Limited UpheldBanking and creditMr N complains that Cfo Lending Limited used his debit card details to take the full outstanding balance of an overdue payday loan from his bank account. He says he had already arranged a payment plan with Cfo Lending and the withdrawal caused difficulties with his other debts and credi... (2 pages)View decision -
Decision Reference DRN3118618
18 May 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs M complain that Legal & General Partnership Services Limited (LGPS) gave them unsuitable mortgage advice. In particular, they say it failed to advise them on the implications of consolidating unsecured debts onto their mortgage.Mr and Mrs M are represented... (2 pages)View decision -
Decision Reference DRN3395475
22 May 2014 Lloyds Bank PLC UpheldBanking and creditMr and Mrs R complain that Lloyds Bank PLC is seeking repayment of a debt of nearly £5,000 which they say they don’t owe. They would like the bank to acknowledge that they have cleared all their debts to it.backgroundIn 2012 Lloyds considered a complaint brought by Mr and Mrs R and agree... (2 pages)View decision -
Decision Reference DRN1020905
23 Dec 2015 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Mr C’s complaint is about a payment protection insurance (PPI) policy taken out with a hire purchase loan. Creation Financial Services Limited (Creation) offered compensation to settle the complaint but Mr C isn’t happy with how Creation has used the compensation.back... (5 pages)View decision -
Decision Reference DRN3442892
3 Sep 2015 Cabot Financial (UK) Limited UpheldBanking and creditMs M complains that Cabot Financial (UK) Limited asked her to repay a debt that she believes is statute barred.backgroundIn 2001 Ms M owed money to a bank, which she didn’t pay back. The bank later sold the debt to a company I’ll call E. Then E sold the debt to Cab... (2 pages)View decision -
Decision Reference DRN-3095341
8 Oct 2021 PayPal Europe Sarl & Cie, SCA UpheldBanking and PaymentsDRN-3095341 The complaint Miss H complains about irresponsible lending by PayPal Europe Sarl & Cie, SCA. She’s also unhappy they said they’d write off her debt under PayPal credit, but then changed their mind. And she’s unhappy they keep sending her payment reminders when they said the... (5 pages)View decision -
Decision Reference DRN-2343866
11 Mar 2021 Arrow Global Limited Not upheldConsumer CreditDRN-2343866 The complaint Mrs C complains about the way Arrow Global Limited has handled a debt which it bought in her name. This complaint has been brought on her behalf by a professional representative. What happened In 2011, Arrow bought a debt that it says Mrs C owed to a store card co... (2 pages)View decision
