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 71523 results
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Decision Reference DRN-5486264
15 Apr 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5486264 The complaint Mr R complains that Cabot Credit Management Group Limited (Cabot) were pursuing him for a debt that had been taken out fraudulently in his name. What happened I set out the background to this complaint and my initial findings in my provisional decision dated 31... (3 pages)View decision -
Decision Reference DRN-4644852
7 Aug 2024 Ascent Performance Group Limited Not upheldConsumer CreditDRN-4644852 The complaint Mrs S complains that Ascent Performance Group Limited trading as Ascent Legal attempted to collect a debt that had already been settled. What happened Ascent was administering a debt Mrs S held with a business I’ll refer to as R. Mr H, Mrs S’ husband, was autho... (3 pages)View decision -
Decision Reference DRN6159590
21 Oct 2015 Cabot Financial (Europe) Limited UpheldBanking and creditMiss D has complained Cabot Financial (Europe) Limited asked her to pay her debt after she’d got a bankruptcy order in place. She’s upset as this added to her health problems.Miss D is represented in her complaint by a friend, Mr C.background Miss D has not been wel... (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 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 DRN-3169857
30 Nov 2021 Everyday Lending Limited UpheldConsumer CreditDRN-3169857 The complaint Mr W complained that Everyday Lending Limited (trading as Everyday Loans) lent to him irresponsibly and provided him with loans that were unaffordable. What happened Everyday Loans provided loans to Mr W as follows: Loan Date taken Amount Term Monthly repayme nt T... (5 pages)View decision -
Decision Reference DRN-3724023
5 Dec 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3724023 The complaint Ms G, through her representative, complains that the loans from Everyday Lending Limited, trading as Everyday Loans, were mis-sold to her. Ms G also complains about the rate of interest charged to her. What happened Using information from Everyday Lending’s record... (7 pages)View decision -
Decision Reference DRN-3687260
22 Dec 2022 Capital One (Europe) plc UpheldBanking and PaymentsDRN-3687260 The complaint Miss L complains Capital One (Europe) plc increased her credit card limits to unaffordable levels. What happened Miss L opened a Capital One credit card in April 2018 with a £1,000 credit limit. A new card was opened in August 2018, with a £1,750 limit. A further ... (3 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 -
Decision Reference DRN8944832
22 Jan 2019 Flex Mortgages Limited Not upheldBanking and creditMrs K complains that Flex Mortgages Limited has harassed her to pay a debt which is statute-barred. She also complains that she has been a victim of mortgage fraud, because the broker who sold her the loan was acting fraudulently.backgroundThe loan in question was take... (2 pages)View decision
