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-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 DRN9240789
26 Nov 2013 DEBT CORRECT Not upheldBanking and creditMr D complains about the way Debt Correct Limited arranged and administered a debt management plan with his creditor.background Mr D was having difficulty making full loan repayments and asked Debt Correct to negotiate a debt management plan. It told him that this had been agreed and he ... (2 pages)View decision -
Decision Reference DRN0767663
27 Mar 2014 Barclays Bank Plc Not upheldBanking and creditMr B complains that Barclays Bank PLC sold the debts on his two credit cards to a debt collection agency. He also disagrees with the balance figure that Barclays transferred. Mr B also has a complaint about the interest charged by the debt collection agency, and the type of document ... (1 page)View decision -
Decision Reference DRN-5821922
17 Feb 2026 New Wave Capital Limited UpheldBanking and PaymentsDRN-5821922 The complaint Mr S complains that New Wave Capital Limited (trading as Capital on Tap) misadvised him about the impact to his credit report of entering an arrangement to repay the debts of a limited company. What happened Mr S personally guaranteed the debts of his limited ... (3 pages)View decision -
Decision Reference DRN5493227
7 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMs Z 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.backgroundMs Z entered into a debt reduction agreement with One Debt Solution ... (2 pages)View decision -
Decision Reference DRN0058313
6 May 2014 The Lewis Group Limited Not upheldBanking and creditMr D complains that The Lewis Group Limited (“TLGL”) has unfairly pursued him for a debt that he does not owe and caused him distress in so doing. The complaint is brought onMr D’s behalf by a relative, Mrs D.background A debt of almost £5,360, which was said to be owed by Mr D, was ass... (2 pages)View decision -
Decision Reference DRN-4207331
12 Jul 2023 Wescot Credit Services Limited UpheldConsumer CreditDRN-4207331 The complaint Mr B has complained that Wescot Credit Services Limited sent him the wrong settlement figures. What happened Both sides are most familiar with the case, so I’ll summarise things in brief. Wescot were acting as debt collectors for two debts that Mr B owed. Mr B off... (2 pages)View decision -
Decision Reference DRN-2541234
14 Feb 2021 Hoist Finance UK Limited Not upheldConsumer CreditDRN-2541234 The complaint Mrs T makes a number of complaints about Hoist Finance UK Limited following a debt it bought. What happened Mrs T says Hoist says it bought her debt from a business I will call “B”. She says Hoist can’t prove the debt is enforceable or that the correct assignment ... (2 pages)View decision -
Decision Reference DRN6558456
9 Jul 2014 Lloyds Bank PLC UpheldPayment protection insurance (PPI)This complaint is made by Mr J about a payment protection insurance (PPI) policy he says Lloyds Bank PLC (“Lloyds”) mis-sold to him and the compensation Lloyds has offered to pay to him in relation to the policy.backgroundIn July 2011 Lloyds made an offer to settle Mr J’s complaint reg... (3 pages)View decision -
Decision Reference DRN-5001363
9 Oct 2024 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-5001363 The complaint Mr E complains that The Royal Bank of Scotland Plc (“RBS”) passed his debt to a debt collection agency. What happened Mr E holds an account with RBS. Due to Mr E’s financial circumstances, he hasn’t made payments to the account for some time. On 1 November 2023... (3 pages)View decision