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-3166970
22 Feb 2022 New Wave Capital Limited UpheldBanking and PaymentsDRN-3166970 The complaint R, a limited company, has complained New Wave Capital Limited, trading as Capital on Tap, continues to hold them liable for a debt that isn’t theirs. Mr A is a director of R and represents R in their complaint. What happened In December 2019 after being pursued fo... (3 pages)View decision -
Decision Reference DRN9140306
7 Nov 2016 Gregory Pennington Limited Not upheldBanking and creditMr F’s complaint is about the way in which Gregory Pennington Limited administered of a debt management plan (DMP) on his behalf. The complaint is brought by a claims management company on Mr F’s behalf.backgroundMr F first spoke with Gregory Pennington in Novembe... (2 pages)View decision -
Decision Reference DRN-2643024
9 Mar 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2643024 The complaint Ms L complains that NewDay Ltd acted irresponsibly in giving her a credit card without carrying out the proper checks. What happened In June 2018 Ms L applied for a credit card using an online comparison web site. She gave her details including name, address and d... (3 pages)View decision -
Decision Reference DRN-5203629
7 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5203629 The complaint Mrs O complains that NewDay Ltd trading as Aqua irresponsibly lent to her. Mrs O is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mrs O herself. Wh... (5 pages)View decision -
Decision Reference DRN-4242837
14 Jul 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4242837 The complaint Mr B, through a representative, says Everyday Lending Limited (ELL), trading as Everyday Loans, irresponsibly lent to him. What happened Mr B took out three instalment loans from ELL. A summary of his borrowing follows. loan taken out value, £ term in months month... (3 pages)View decision -
Decision Reference DRN-2711650
24 Mar 2021 Capquest Debt Recovery Limited UpheldConsumer CreditDRN-2711650 The complaint Mr E complains about Capquest Debt Recovery Limited’s actions when seeking to recover a debt. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. In my provisional decision, I said: In 2006 Mr E’s ... (4 pages)View decision -
Decision Reference DRN-1525072
5 Jun 2020 NewDay Ltd Not upheldConsumer CreditDRN-1525072The complaintMr H complains NewDay Ltd have unfairly sold his credit card debt to a third party.What happenedIn February and March 2019, Mr H told NewDay he was going through bankruptcy proceedings. Mr H said he was told by NewDay his debt wouldn’t be sold to a third party. Mr H... (3 pages)View decision -
Decision Reference DRN8630000
24 Oct 2019 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr B doesn’t think it’s fair for The Royal Bank of Scotland Plc (RBS) to use two payment protection insurance (PPI) compensation offers it’s made to reduce debt from which he was discharged when his protected trust deed came to an end.backgroundI issued my provisional decision on 11October... (4 pages)View decision -
Decision Reference DRN7865115
15 Oct 2013 J D Williams & Company Limited Not upheldBanking and creditMr K complains that a credit agreement with Simply Be is not enforceable and that his debt has been passed to different collection agents. Simply Be is a trading name of Candid Collections Limited which is an appointed representative of JD Williams & Company Limited, against which thi... (1 page)View decision -
Decision Reference DRN0086820
31 Jan 2017 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr H’s complaint is that The Royal Bank of Scotland Plc (“RBS”) mis-sold him payment protection insurance (“PPI”) with a series of two loans.backgroundRBS upheld Mr H’s complaint and made him an offer which was worked out following the same way we would tell RBS to... (2 pages)View decision
