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-3550118
28 Jun 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3550118 The complaint Mr D complained that Everyday Lending Limited trading as Everyday Loans lent to him irresponsibly and provided him with an unaffordable loan. What happened Everyday Loans provided a loan to Mr D as follows: Date taken Loan amount Term Typical monthly repayment Tot... (6 pages)View decision -
Decision Reference DRN-5104540
21 Feb 2025 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5104540 The complaint Mr M has complained about a loan Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance provided to him. He says the loan was unaffordable and therefore shouldn’t have been given to him. What happened On 1 March 2024 Mr M applied online for a £6,000 fi... (3 pages)View decision -
Decision Reference DRN3705692
23 Aug 2013 HSBC Bank plc Not upheldPayment protection insurance (PPI)This complaint is about a payment protection insurance (PPI) policy arranged with a personal loan taken out with HSBC Bank plc (“HSBC”). Mr B – who is self-employed - says that when he fell ill and tried to claim on the PPI, he was told that he would have to cease trading altogether. Th... (3 pages)View decision -
Decision Reference DRN5018417
7 Jun 2013 Britannica Recoveries S.a.r.l. Not upheldBanking and creditMr A complains that Britannica Recoveries S.a.r.l. is still pursuing him for a debt that he believes is unenforceable because it hasn’t complied with his Section 78 request.backgroundMr A says that he made a Section 78 request for information about his debt with Britannica and that he ... (1 page)View decision -
Decision Reference DRN4006181
7 Dec 2015 Motormile Finance UK Limited Not upheldBanking and creditMr R says that Motormile Finance UK Limited is pursuing him for a debt without demonstrating to his satisfaction that he owes them any money. He’s unhappy about the nature of the contact he’s had with them. background Motormile began to chase Mr R for payment of a deb... (2 pages)View decision -
Decision Reference DRN-2573689
26 Feb 2021 TSB Bank plc Not upheldBanking and PaymentsDRN-2573689 The complaint Ms L complains that TSB Bank plc is holding her liable for a debt which is not hers. What happened Ms L and her ex-husband used to have a business together as a partnership, and they had a business account with TSB for which they were both responsible. They divorc... (2 pages)View decision -
Decision Reference DRN7844832
25 Feb 2015 Bank of Scotland Plc UpheldBanking and creditMr S complains about Bank of Scotland PLC’s errors concerning his loan account and the implications for his credit file. background Mr S had a loan with Bank of Scotland. The loan was defaulted in 2007 and a county court judgement obtained. Mr S made monthly repayments and the debt sho... (2 pages)View decision -
Decision Reference DRN3560791
30 Sep 2014 Vanquis Bank Limited UpheldBanking and creditMiss R complains about Vanquis Bank Limited’s handling of her account after she received help from a debt counselling charity.backgroundMiss R began to experience financial difficulties. She asked a debt counselling charity for help. She has told us the charity tried to contact Vanquis ... (2 pages)View decision -
Decision Reference DRN9684776
14 Jun 2016 Legal & General Partnership Services Limited UpheldBanking and creditThis complaint is about a mortgage arranged for Mr and Mrs S by an adviser connected with Legal & General Partnership Services Limited (L&G).Mr and Mrs S feel they weren’t properly advised about debt consolidation and they’ve been financially disadvantaged as a... (2 pages)View decision -
Decision Reference DRN-3424785
19 May 2022 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-3424785 The complaint Mr H complains that Sainsbury's Bank Plc continued to contact him about a debt that had been included in a Debt Relieve Order (DRO). What happened Mr H says a debt he owed to Sainsbury’s was included in a DRO in 2017. He says Sainsbury’s continued to contact ... (2 pages)View decision
