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 74313 results
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Decision Reference DRN9477943
26 Feb 2014 First Complete Ltd Not upheldBanking and creditMr M is dissatisfied with mortgage advice he received from First Complete Limited. backgroundMr M re-mortgaged his house following advice from an appointed representative of First Complete. Through a claims management company he made the following complaints to First Complete about t... (3 pages)View decision -
Decision Reference DRN-2349591
4 Mar 2021 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-2349591 The complaint Miss B complains that Lantern Debt Recovery Services Ltd is unfairly chasing her for a debt. What happened Lantern bought an outstanding debt from company W in 2019. And it seeks repayment of the debt from Miss B. Miss B says that it’s unfair of Lantern to contact... (2 pages)View decision -
Decision Reference DRN2259159
21 Jul 2015 1st Credit Limited UpheldBanking and creditMr H complains that 1st Credit Limited wrongly made him bankrupt when he was repaying his debt through a debt management company.backgroundMr H had difficulties repaying his debt to 1st Credit and he had been in a repayment plan that had failed. In August 2013 Mr H ... (2 pages)View decision -
Decision Reference DRN5773225
26 Nov 2014 R. Raphael & Sons Plc Not upheldBanking and creditMr M complains that he was mis-sold a Payment Break Plan (PBP) and had problems communicating with R. Raphael & Sons Plc (trading as Monument). He wants compensation. background Mr M got a credit card with Monument in 2001. A PBP was added to his account at the same time. He got i... (2 pages)View decision -
Decision Reference DRN5913258
26 Oct 2015 Legal & General Partnership Services Limited Not upheldBanking and creditThis complaint is about a mortgage arranged for Mr and Mrs K by an adviser connected with Legal & General Partnership Services Limited (“L&G”). Mr and Mrs K feel they weren’t given good advice. They’re particularly concerned about the suitability of the advise... (3 pages)View decision -
Decision Reference DRN9575389
3 Jan 2018 Moorcroft Debt Recovery Limited Not upheldBanking and creditMr L complains that Moorcroft Debt Recovery Limited (Moorcroft) are pressurising him to make payments against a debt he doesn’t think he owes and that they haven’t taken account of his mental and physical disabilities.backgroundMr L opened a credit card account in 2007 ... (3 pages)View decision -
Decision Reference DRN-5601456
4 Jun 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5601456 The complaint Mr P complains that Cabot Credit Management Group Limited, trading as Cabot Financial (Europe) Limited, reported a default to the credit reference agencies (CRA’s). What happened Mr P says Cabot purchased a debt from a bank in or around 2019 – it purchased this... (10 pages)View decision -
Decision Reference DRN0946896
10 Oct 2019 Santander UK Plc Not upheldBanking and creditMiss T complains Santander UK Plc has treated her unfairly while she’s been unwell. The bank’s approach has impacted on her health.backgroundMiss T had an arrangement to pay Santander £1 each month towards her loan and credit card accounts. It’d been in place for a number of years. Miss S ... (3 pages)View decision -
Decision Reference DRN-4860977
1 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4860977 The complaint Mr S complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. He wants all interest and charges applied to his accounts refunded along with compensatory interest and any adverse information removed from his credit file. Mr S is represe... (4 pages)View decision -
Decision Reference DRN7530638
1 Feb 2017 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr G is unhappy with how The Royal Bank of Scotland Plc (RBS) has used the compensation it offered to settle his complaint about the mis-sale of a payment protection insurance (PPI) policy.backgroundMr G complained about PPI sold to him with a credit card he took out wit... (2 pages)View decision
