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 71335 results
-
Decision Reference DRN7873633
22 Sep 2014 Swinton Group Ltd UpheldInsurance (excluding PPI)Mr N is unhappy with Swinton Group Limited’s decision to pursue him for unpaid premiums and fees on his cancelled public liability policy.backgroundMr N took out a public liability policy through Swinton on an advised basis. Mr N has told us that he called up to cancel the policy befor... (2 pages)View decision -
Decision Reference DRN-3470939
27 May 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3470939 The complaint Mr D, through his representative, says Everyday Lending Limited (ELL), trading as Everyday Loans, lent to him irresponsibly. What happened Mr D took out a 24-month instalment loan from ELL on 4 July 2017. It was for £2,000. The monthly repayment was £205.12 and th... (5 pages)View decision -
Decision Reference DRN9441729
11 Aug 2017 OPOS Limited Not upheldBanking and creditMr R complains about the way in which Opos Limited (Opos) is collecting a debt. He says the debt was sold irresponsibly and wants the default removed from his credit file. He feels the call handler who dealt with his complaint was threatening.backgroundMr R tells us th... (3 pages)View decision -
Decision Reference DRN7977461
13 Feb 2018 Total Home Loans Direct Limited Not upheldBanking and creditMr W complains that Total Home Loans Direct Limited (THL) gave him loans that he couldn’t afford to repay and transferred the debt to a third party without informing him. He asks that it refunds interest and charges.backgroundMr W took out three loans with THL betw... (2 pages)View decision -
Decision Reference DRN8090313
15 Jun 2015 Capital One (Europe) plc UpheldPayment protection insurance (PPI)Mr S complained that Capital One (Europe) plc (Capital One) mis-sold him a payment protection policy with a credit card in 1999.background Capital One agreed that Mr S was mis-sold PPI so they made him an offer of £1,024.59. They sent him a letter setting out the offe... (3 pages)View decision -
Decision Reference DRN-5498595
22 May 2025 Chetwood Financial Limited Not upheldConsumer CreditDRN-5498595 The complaint Miss W complains that Chetwood Financial Limited trading as BetterBorrow was irresponsible in its lending to her. What happened Miss W was provided with a £4,000 loan by BetterBorrow in December 2021. The loan term was 24 Months and Miss W was required to make ... (2 pages)View decision -
Decision Reference DRN2717124
16 Aug 2018 Evolve FS Limited Not upheldBanking and creditMr U and Miss D complain that Evolve FS Limited submitted a factually inaccurate mortgage application. They say they’ve lost out financially as a result, and want compensation.background In what follows, I have summarised events in rather less detail than they’ve b... (2 pages)View decision -
Decision Reference DRN4589301
17 Dec 2014 MKDP LLP Not upheldBanking and creditMr D is unhappy that MKDP LLP is chasing him for a debt which he says does not belong to him. He has asked it to prove he is the owner of the debt and remove the related adverse information from his credit file.backgroundOur adjudicator did not recommend this complaint be upheld. She w... (2 pages)View decision -
Decision Reference DRN5575309
31 Jul 2013 National Westminster Bank Plc Not upheldBanking and creditMs H complains that, after her ex-husband took out a joint loan without her knowledge, National Westminster Bank Plc (“the bank”) is asking her to repay the debt. She wants the bank to take her name off the loan and compensate her for distress and inconvenience.background In 2005 Ms H a... (2 pages)View decision -
Decision Reference DRN7797640
29 Sep 2016 HSBC Bank plc Not upheldBanking and creditMr and Mrs S complain that HSBC Bank plc shouldn’t have allowed an informal overdraft on their account. They would like HSBC to admit it was wrong to do this. And to write off the outstanding balance on the account.backgroundMr and Mrs S say they applied several t... (2 pages)View decision
