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 70502 results
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Decision Reference DRN-3469758
27 Jun 2022 Arrow Global Limited Not upheldConsumer CreditDRN-3469758 The complaint Mr C is unhappy that Arrow Global Limited has asked him to repay a debt without giving him evidence that he’s liable for it. What happened In May 2012 Arrow bought an outstanding debt in Mr C’s name. The debt relates to a credit card with a business I will refer t... (2 pages)View decision -
Decision Reference DRN1314385
11 Jul 2018 Lowell Financial Ltd Not upheldBanking and creditMr P complains that Lowell Financial Ltd has not provided him with the information he has requested to prove the debt he paid towards was his.backgroundMr P says that around 2007 his house was repossessed and the bank with which he held a mortgage (the bank) recover... (3 pages)View decision -
Decision Reference DRN-5069853
23 Oct 2024 Tandem Home Loans Ltd UpheldMortgagesDRN-5069853 The complaint Mr and Mrs M complain that Tandem Home Loans Ltd continued to contact them regarding their debt despite them being declared bankrupt in 2017. They also said it has recorded incorrect information on their credit files. What happened In 2014, Mr and Mrs M took ou... (4 pages)View decision -
Decision Reference DRN7041279
19 Mar 2014 123 Debt Solutions Ltd UpheldBanking and creditMr T complains that 123 Debt Solutions Ltd reduced his payments to one of his creditors, which he believes led the creditor to obtain a charging order against his property.background Mr T entered into a debt management plan with 123 Debt Solutions in around December 2011. In Septembe... (4 pages)View decision -
Decision Reference DRN6917215
2 Jul 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Ms M complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.backgroundMr and Ms M remortgaged, acting on advice from L&G. At the time, they had two credit cards, a loan and an overdra... (2 pages)View decision -
Decision Reference DRN-3136974
30 Nov 2021 MBNA Limited UpheldBanking and PaymentsDRN-3136974 The complaint Mr C complains that MBNA Limited (MBNA) lent to him irresponsibly. What happened In August 2016, Mr C applied for a credit card from MBNA. It was approved with a limit of £6,700. Then further increases were requested by Mr C, and approved by MBNA: Date Limit Augus... (4 pages)View decision -
Decision Reference DRN0741491
9 Feb 2018 Asset Collections & Investigations Limited Not upheldBanking and creditMr S complains about the sale of a debt he owed to Asset Collections and Investigations Limited (ACI). He says ACI failed to conduct due diligence before it bought his debt. backgroundMr S took out a loan in January 2015 with a third party, L. He missed some repaymen... (3 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 DRN7699642
3 Feb 2020 TSB Bank plc UpheldBanking and creditMrs R complains that TSB Bank plc recorded incorrect information on her credit reference file after she had settled a debt.backgroundMrs R entered into a Debt Arrangement Scheme (DAS) in 2011, which included her TSB credit card. She maintained her agreed repayments for the duration of that... (2 pages)View decision -
Decision Reference DRN7688680
10 Jun 2016 TSB Bank plc Not upheldBanking and creditMr D complained that TSB Bank plc shouldn’t have lent him money, or given him more payment plans. He wanted his debt written off, and compensation.backgroundMr D opened a TSB account in late March 2014. He paid money in in early April. But straightaway he started ta... (2 pages)View decision
