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 DRN3411538
2 Dec 2015 The Co-operative Bank Plc UpheldPayment protection insurance (PPI)Miss C’s complaint is about the mis-sale of two payment protection insurance (PPI) policies and the way The Co-operative Bank Plc has offered to put that right.backgroundThis complaint is about two PPI policies which Miss C bought in 2005 at the same time as taking o... (2 pages)View decision -
Decision Reference DRN1207372
31 May 2016 PRA Group (UK) Limited Not upheldBanking and creditMs N complains that PRA Group (UK) Limited is chasing her for a debt dating back to 2002. She wants PRA to stop contacting her, and to remove adverse information relating to this debt on her credit file.backgroundMs N said: The debt relates to a student bank account ... (2 pages)View decision -
Decision Reference DRN7413166
18 Dec 2017 Angel Advance Limited Not upheldBanking and creditMr V complains that a county court judgment was entered against him at a time when Angel Advance Limited was managing his debts.backgroundMr V entered into an agreement with Angel Advance to manage his debts. This involved Mr V paying a monthly payment, part of whi... (2 pages)View decision -
Decision Reference DRN8285924
26 Aug 2015 HSBC Bank plc Not upheldPayment protection insurance (PPI)Mr S complained that HSBC Bank Plc (HSBC) mis-sold him PPI policies taken out with three loans. Mr S is unhappy with the compensation offered to settle his complaint. backgroundMr S took out three PPI policies associated with three loans (references ending 3331, 7200 and ... (3 pages)View decision -
Decision Reference DRN-5037714
23 Oct 2024 TRANSUNION INTERNATIONAL UK LIMITED UpheldConsumer CreditDRN-5037714 The complaint Mr G complains TransUnion International UK Limited incorrectly reported a debt on his credit file. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant elements of this below, and th... (7 pages)View decision -
Decision Reference DRN-2067372
6 Aug 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2067372The complaintMs G complains about how NewDay Ltd trading as Aqua responded to her request for helpwith her credit card account during extremely difficult personal circumstances.What happenedMs G told us about tragic circumstances she experienced, which I won’t record here. Those... (3 pages)View decision -
Decision Reference DRN4703299
22 Oct 2019 Zopa Limited Not upheldBanking and creditMr R’s complaint is that Zopa Limited irresponsibly approved a loan of £10,000 to him in August 2015 which it ought to have known would be unaffordable for him. He seeks a refund of interest on the loan and of charges that may have been applied for missed or late payments.backgroundOne of ... (3 pages)View decision -
Decision Reference DRN-2734545
20 Jul 2021 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-2734545 The complaint Mr B complains that Brent Shrine Credit Union Limited, trading as My Community Bank, is reporting a default on his credit file. What happened In 2018 Mr B borrowed £4,000 from My Community Bank (MCB). In 2019 he lost his job due to mental illness, and he fell into... (2 pages)View decision -
Decision Reference DRN-3091688
12 Nov 2021 BW Legal Services Limited Not upheldConsumer CreditDRN-3091688 The complaint Mr S complains that BW Legal Services Limited is pursuing him for a debt without providing evidence it has authority to do so. What happened Mr S had a credit card with another business (C). Mr S has explained that after a period of working abroad he experienced i... (2 pages)View decision -
Decision Reference DRN-2159454
20 Oct 2020 Debt Managers (Services) Limited UpheldConsumer CreditDRN-2159454 The complaint Miss L has complained about Debt Managers (Services) Limited chasing her for a debt that wasn’t hers and failing to communicate with her about it. What happened In May 2019, Debt Managers purchased a debt. They say that the original creditor gave them Miss L’s ema... (2 pages)View decision
