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 74386 results
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Decision Reference DRN-3517029
13 Dec 2022 Evolution Lending Limited Not upheldMortgagesDRN-3517029 The complaint Mr and Mrs H’s complaint is about a secured loan they have with Evolution Lending Limited. They believe the decision to lend to them in 2016 was irresponsible and that appropriate checks were not undertaken before the lending decision was made. What happened In 20... (3 pages)View decision -
Decision Reference DRN-3460117
16 Aug 2022 JAJA FINANCE LTD UpheldBanking and PaymentsDRN-3460117 The complaint Mr G complains that Jaja Finance Limited (Jaja) withdrew the direct debit facility for his credit card without advising him. That he was unaware of debts on the card or of the debt being sold on. He would like his credit file amended and compensation for the inc... (2 pages)View decision -
Decision Reference DRN0899094
17 Dec 2013 Lloyds Bank PLC Not upheldBanking and creditMr J complains that Lloyds Bank PLC (previously Lloyds TSB Bank Plc) was slow to respond to his approach for a repayment arrangement on his overdraft debt and then made administrative errors in setting up the agreed arrangements. Mr J says that this caused him and his wife upset, inco... (3 pages)View decision -
Decision Reference DRN7845672
28 May 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMr T complains about how Cabot Credit Management Group Limited responded to his request to remove a charging order.backgroundMr T told us that he jointly owned a property with his ex-partner. He said that there was a declaration of trust in place that meant he was on... (3 pages)View decision -
Decision Reference DRN1167876
23 Sep 2018 Paragon Finance Plc Not upheldBanking and creditMr T complains that Paragon Finance Plc trading as Idem Servicing (“Idem”) acted unfairly and unreasonably by contacting him about a mortgage shortfall debt without being willing to prove it owned the debt or explain at first why it was contacting him. He wants Idem t... (2 pages)View decision -
Decision Reference DRN4050799
30 Jul 2013 MBNA Limited Not upheldBanking and creditMr C, represented by Mrs C, complains that MBNA Limited (“MBNA”) sold his credit card debt to an external debt collection agency after it told him that it was prepared to accept a reduced settlement payment. backgroundMr C was unable to meet the payments on two credit card accounts he ... (2 pages)View decision -
Decision Reference DRN1543109
12 Aug 2015 First Union Mortgages Limited Not upheldBanking and creditMr and Mrs T complain that First Union Mortgages Limited (First Union) should not have advised them to consolidate unsecured debts onto their mortgage. They say they are now at risk losing their home, due to the unsuitable advice they received.backgroundFirst Union co... (5 pages)View decision -
Decision Reference DRN3208366
24 Nov 2015 Cabot Financial (Europe) Limited UpheldBanking and creditMr H complains that Cabot Financial (Europe) Limited can’t prove that he owes a debt it is chasing him to repay.background Mr H asked Cabot to provide proof of his debt in the form of credit agreements and proof that it legally owns the debt. Mr H was making repayme... (2 pages)View decision -
Decision Reference DRN0418846
7 Mar 2018 Lowell Portfolio I Ltd Not upheldBanking and creditMr F complains that Lowell Portfolio I Ltd has wrongly registered a default on his credit file. backgroundLate in 2014, Lowell purchased a debt that Mr F owed to a credit card company. Mr F said he didn’t owe that money, so Lowell sent Mr F copy of the agreement ... (3 pages)View decision -
Decision Reference DRN7485284
9 Sep 2016 Kapama Limited UpheldBanking and creditMr C complains that Kapama Limited didn’t follow the correct procedures when his debt for a payday loan was transferred to it from a previous company. He wants his debt written off and removed from his credit file. He’s also unhappy that a default was recorded on his... (2 pages)View decision
