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 69710 results
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Decision Reference DRN1838390
4 Feb 2019 Tesco Personal Finance PLC Not upheldPayment protection insurance (PPI)Ms D isn’t happy with how Tesco Personal Finance Plc (‘Tesco’) has offered to resolve her complaint about a payment protection insurance (‘PPI’) policy attached to her loan.backgroundIn 1999 Ms D took out a loan with Tesco for £15,000 with a term of 60 months. The ... (3 pages)View decision -
Decision Reference DRN3693511
24 Jul 2015 Capquest Debt Recovery Limited Not upheldBanking and creditMs M complains Capquest Debt Recovery Limited is chasing her for a debt that isn’t hers. She also says that it’s harassing her by pursuing the debt.backgroundIn October 2010 and December 2012, two accounts were set up with a catalogue company in Ms M’s name. Ms M says... (2 pages)View decision -
Decision Reference DRN-2660859
9 Jun 2021 Intrum UK Limited Not upheldConsumer CreditDRN-2660859 The complaint Mr B complains that Intrum UK Limited has been chasing him for a debt which he has already settled. Mr B wants Intrum to stop making contact about the debt and amend his credit file. What happened In early 2018, Intrum bought a debt in Mr B’s name from a business... (3 pages)View decision -
Decision Reference DRN1727301
1 Dec 2016 Clydesdale Bank Plc Not upheldBanking and creditA director, Mr D, has raised a complaint on behalf of his company, which I’ll call P Ltd.P Ltd’s concerned that Clydesdale Bank plc (“Clydesdale”) sold its debt to an unregulated lender.backgroundP Ltd had an overdraft with Clydesdale until June 2015, when the debt... (2 pages)View decision -
Decision Reference DRN6060575
17 Nov 2015 Lighthouse Group Not upheldBanking and creditMr D complains that the advice given to him when he re-mortgaged his home was unsuitable.backgroundMr D approached Lighthouse Group for advice on re-mortgaging his home in 2007. At the time, he had significant additional debt and Lighthouse Group advised him to re-mortg... (2 pages)View decision -
Decision Reference DRN3118618
18 May 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs M complain that Legal & General Partnership Services Limited (LGPS) gave them unsuitable mortgage advice. In particular, they say it failed to advise them on the implications of consolidating unsecured debts onto their mortgage.Mr and Mrs M are represented... (2 pages)View decision -
Decision Reference DRN-5049571
4 Oct 2024 HSBC UK Bank Plc UpheldConsumer CreditDRN-5049571 The complaint Mr W complains that HSBC UK Bank Plc (“HSBC”) irresponsibly agreed a loan for him. What happened HSBC agreed a loan of £30,000 for Mr W in February 2023. The total amount owed was £51,420.48 to be repaid at £535.63 a month over 96 months. Mr W met his repayme... (5 pages)View decision -
Decision Reference DRN9805505
29 Jul 2015 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mrs K has complained about the way The Royal Bank of Scotland Plc (“RBS”) has used the compensation it agreed to pay her following a complaint about the sale of a payment protection insurance (“PPI”) policy.backgroundMrs K took out a loan with RBS and took out a PPI po... (2 pages)View decision -
Decision Reference DRN-4318416
27 Sep 2023 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-4318416 The complaint Mr G complains about legal action Cabot Credit Management Group Limited intends to take in relation to a credit card debt. What happened Mr G had a credit card with a business I’ll call N that was closed at default in June 2022. Cabot purchased the debt from N in ... (3 pages)View decision -
Decision Reference DRN1020905
23 Dec 2015 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Mr C’s complaint is about a payment protection insurance (PPI) policy taken out with a hire purchase loan. Creation Financial Services Limited (Creation) offered compensation to settle the complaint but Mr C isn’t happy with how Creation has used the compensation.back... (5 pages)View decision
