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 70661 results
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Decision Reference DRN-2083039
28 Aug 2020 Lowell Portfolio I Ltd UpheldBanking and PaymentsDRN-2083039The complaintMiss L complains that Lowell Portfolio I Ltd placed a default on her credit file in relation to a debt that isn’t hers. Miss L also complains that she wasn’t sent certified copies of the original credit agreement, default notices and notice of assignment from the or... (3 pages)View decision -
Decision Reference DRN-4306746
17 Aug 2023 Marks & Spencer Financial Services plc UpheldBanking and PaymentsDRN-4306746 The complaint Miss T complains that Marks & Spencer Financial Services Plc (M&S) lent to her irresponsibly and didn’t support her in financial difficulty. What happened Miss T had a credit card from M&S since 2013. The limit was originally £1,500. Limit increases we... (5 pages)View decision -
Decision Reference DRN2465245
9 Sep 2019 Link Financial Outsourcing Limited Not upheldBanking and creditMs V complains that Link Financial Outsourcing Limited (Link Financial) is chasing her for a debt she doesn’t believe she owes. She would like the debt written off.backgroundMs V says that Link Financial is pursuing her for an initial debt of £6,570.89 which has now risen to £11,581.55. Sh... (3 pages)View decision -
Decision Reference DRN4024151
9 Jan 2014 Lloyds Bank PLC Not upheldBanking and creditMrs B complains that Lloyds Bank PLC (previously Lloyds TSB Bank plc) wrongly lent her £20,000 when her monthly income was too low to afford that amount. She also complains that the loan was used by the bank to repay existing credit card debts belonging to her and her husband, rather ... (2 pages)View decision -
Decision Reference DRN2189372
7 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMiss B complains about a debt reduction agreement that she took out with NEO Media Solutions Limited, trading as One Debt Solution. She complains that it did not pay money to her creditors as it had agreed to do and that it did not respond to her concerns satisfactorily.backgroundMiss B... (2 pages)View decision -
Decision Reference DRN-1870182
5 Jun 2020 Redhawk Legal Ltd Not upheldClaims ManagementDRN-1870182 The complaintMrs H is unhappy how Redhawk Legal Ltd (Redhawk) dealt with her claims for mis-sold Payment Protection Insurance (PPI). What happenedIn 2016, Mrs H instructed Redhawk to make claims for mis-sold PPI on her behalf. Some claims were successful in February 2019, but a... (3 pages)View decision -
Decision Reference DRN3306582
26 Jun 2013 Payplan Partnership Limited UpheldBanking and creditMr C complains about information he was given by Payplan Partnership Limited to enter into an individual voluntarily arrangement (IVA). He says he was told his total debts were in excess of £42,000 and this included a debt of approximately £27,000 that was owed to one creditor. He has... (3 pages)View decision -
Decision Reference DRN5302766
14 Aug 2019 PRA Group (UK) Limited Not upheldBanking and creditMr H has complained that PRA Group (UK) Limited (“PRA”) acted unfairly in their pursuit of adebt it says he owes it.backgroundMr H had considerable debts and found himself in financial difficulty when he lost his job. He says he was struggling to keep up with payments so offered his credit... (3 pages)View decision -
Decision Reference DRN-4715152
31 May 2024 Clydesdale Bank Plc UpheldConsumer CreditDRN-4715152 The complaint Mr E complains that Clydesdale Bank Plc trading as Virgin Money (Virgin) lent to him when he could not afford it. He says Virgin lent to him irresponsibly. What happened On 28 March 2021 Mr E was approved by Virgin for a £20,000 loan repayable over 85 months (seve... (6 pages)View decision -
Decision Reference DRN3281369
6 Apr 2017 Moorcroft Debt Recovery Limited Not upheldBanking and creditMr B complains that Moorcroft Debt Recovery Limited, (“MDRL”) unfairly tried to collect a debt from him. He said that it didn’t have any right to do this, and that the debt wasstatute barred. He also said that MDRL was in breach of the Data Protection Act 1998 a... (3 pages)View decision