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 71923 results
-
Decision Reference DRN5426432
3 May 2019 Credit Resource Solutions Limited Not upheldBanking and creditMr O complains that Credit Resource Solutions Ltd (CRS) have been sending excessive communication about a debt which amounts to harassment. He also complains that the amount that was requested was incorrect.backgroundMr O had a debt with a third party company which was... (2 pages)View decision -
Decision Reference DRN-3170430
14 Jan 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3170430 The complaint Ms M complained that Everyday Lending Limited trading as Everyday Loans lent to her irresponsibly and provided her with an unaffordable loan. What happened Ms M was given a loan by Everyday Loans as follows: Date taken Loan amount Number of monthly instalments Mon... (5 pages)View decision -
Decision Reference DRN-1741131
6 May 2020 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-1741131 The complaintMr S complains that Capital One (Europe) plc (CO) made an incorrect report to the Credit Reference Agencies (CRAs) which later resulted in him getting a less favourable mortgage offer. What happenedOur investigator’s background summary covered all the relevant fact... (2 pages)View decision -
Decision Reference DRN7980729
11 Apr 2014 Lloyds Bank PLC Not upheldBanking and creditD a limited company complains that Lloyds Bank PLC withdrew its overdraft facility, and passed the account to banking recoveries. D also complaints it tried to contact the case official and couldn’t get through.backgroundD had an account with Lloyds, with a £7,000 overdraft limit. Lloyds... (2 pages)View decision -
Decision Reference DRN1694198
7 Apr 2014 Cabot Financial (Europe) Limited Not upheldBanking and creditMrs C complains about the way Cabot Financial (Europe) Limited has pursued her for payment of a debt. She is unhappy that Cabot called her place of work and believes its actions amount to harassment. backgroundThe complaint was considered by one of our adjudicators and he did not recomm... (2 pages)View decision -
Decision Reference DRN1005485
8 Dec 2015 Drydens Limited Not upheldBanking and creditMiss K has complained that Drydens Limited pursued her for a debt that had already been cleared.backgroundMiss K was pursued by Drydens for a debt. It had been instructed to do so by a third party. But she no longer owed any money, as the debt had been discharg... (2 pages)View decision -
Decision Reference DRN8931476
11 Jan 2019 The Mortgage Business Plc Not upheldBanking and creditMrs B complained about The Mortgage Business Plc (TMB). TMB had refunded arrears management fees, but Mrs B complained that:-she had to wait for the refund, and it wasn’t adequate;-TMB had passed her details to another organisation to process the refund, when she hadn... (3 pages)View decision -
Decision Reference DRN-3746940
19 Oct 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3746940 The complaint Mr P complains that Barclays Bank UK PLC (Barclays) would not consider a consolidation loan for him. What happened Mr P borrowed £2,800 from Barclays on a personal loan in February 2019. There were to be 24 payments of £133.76. Mr P made three payments to the loan... (2 pages)View decision -
Decision Reference DRN-4618219
7 May 2024 HSBC UK Bank Plc Not upheldConsumer CreditDRN-4618219 The complaint Miss S is unhappy her application for a personal loan was declined and how this was handled by HSBC UK Bank Plc. What happened Miss S applied for a personal loan for £25,000 to consolidate her debts with HSBC and other lenders. HSBC declined the application and in... (2 pages)View decision -
Decision Reference DRN-1983942
21 Oct 2020 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-1983942 The complaint Miss F complains that Mercedes-Benz Financial Services UK Limited (“MBFS”) continued to pursue her for a debt when a payment plan had been agreed. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instea... (2 pages)View decision
