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 77331 results
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Decision Reference DRN-2349677
1 Dec 2020 Paratus AMC Limited Not upheldMortgagesDRN-2349677 The complaint Mr and Mrs G have raised a number of complaints about Paratus AMC Limited trading as Foundation Home Loans (and referred to here as Paratus). In summary the complaint is: the mortgage was mis-sold in 2005; because the mortgage hadn’t been properly executed, it w... (4 pages)View decision -
Decision Reference DRN7660340
31 Jul 2015 Debt Advisory Line Limited UpheldBanking and creditMr and Mrs M complain that Debt Advisory Line Limited (“DALL”) didn’t provide them with satisfactory advice when it sold a debt management plan to them.backgroundMr and Mrs M complain that DALL didn’t clearly explain the charges for the debt management plan (“DMP”) t... (3 pages)View decision -
Decision Reference DRN-4079157
20 Apr 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4079157 The complaint Mr B complains that Barclays Bank UK PLC (Barclays) is pursuing him for repayment of an overdraft he says should be on hold pending the outcome of an HMRC investigation. What happened The background to this complaint is well known to both parties and was set out i... (2 pages)View decision -
Decision Reference DRN1763034
24 Feb 2016 MKDP LLP Not upheldBanking and creditMrs H complains about the way MKDP LLP has dealt with her requests for information about a debt it said it had acquired, and how it dealt with the debt. backgroundYears ago Mrs H had financial difficulties and made arrangements to pay a number of debts through a debt ... (3 pages)View decision -
Decision Reference DRN-2939969
26 Jul 2021 Oakbrook Finance Limited Not upheldConsumer CreditDRN-2939969 The complaint Mrs W complains about the information provided to credit reference agencies by Oakbrook Finance Limited about a loan she took out with them. What happened Mrs W took out a loan with Oakbrook in 2018. She agreed to pay back £89.65 for a period of 24 months. Due to ... (3 pages)View decision -
Decision Reference DRN4447848
27 Aug 2014 Countrywide Principal Services Limited UpheldBanking and creditMr and Mrs N, represented by a claims management company, complain that they were mis-sold a mortgage by Countrywide Principal Services Limited.backgroundMr and Mrs N took advice from Countrywide on a mortgage, as they were looking to buy their first property. As they had no money for ... (2 pages)View decision -
Decision Reference DRN-5953426
28 Jan 2026 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-5953426 The complaint Mr S complains Capquest Debt Recovery Limited have delayed providing documents to prove the debt they’re asking him to pay. A representative has supported Mr S when bringing this complaint, but for simplicity I’ll just refer to him in this decision. What happen... (3 pages)View decision -
Decision Reference DRN2388848
27 Jun 2018 Robinson Way Limited Not upheldBanking and creditMr S has complained that Robinson Way Limited is chasing him for a debt which he believes is statute barred. backgroundMr S owed Barclaycard £8,637.30. This debt was sold to a debt collecting company in 2011 and eventually to Robinson Way. In March 2016, Robinson Way w... (2 pages)View decision -
Decision Reference DRN0294524
30 Sep 2016 Foundation for Credit Counselling Not upheldBanking and creditMrs C, represented by a claims management company (CMC), complains that Foundation for Credit Counselling (trading as StepChange) mis-advised her regarding a debt management plan (DMP).backgroundMrs C says she approached StepChange in regard to her debts. She says she wa... (2 pages)View decision -
Decision Reference DRN7440082
4 Mar 2016 1st Credit Limited Not upheldBanking and creditMs M complains that 1st Credit Limited wrongly refuses to remove adverse data registered on her credit file.backgroundMs M owed debts to a bank.1st Credit bought the debts and took legal proceedings against Ms M to recover the money. Ms M says that 1st Credit fail... (2 pages)View decision