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-3603289
15 Sep 2022 Kensington Mortgage Company Limited UpheldMortgagesDRN-3603289 The complaint Mr and Mrs B complain that Kensington Mortgage Company Limited (trading as Kensington Mortgages) is unfairly pursuing them for a shortfall debt some eight years after it took their property into possession and sold it. What happened Mr and Mrs B had a mortgage wit... (3 pages)View decision -
Decision Reference DRN-5718125
20 Oct 2025 DEBT CORRECT Not upheldConsumer CreditDRN-5718125 The complaint Mr G complains Debt Correct haven’t administered his Debt Management Plan (DMP) properly leading to missed payments being reported on his credit file. What happened The information I have shows Mr G entered into the DMP around November 2023. I’ve taken this fro... (2 pages)View decision -
Decision Reference DRN9938292
21 Dec 2015 Money & More Limited UpheldBanking and creditMr B complained because Money & More Limited didn’t repay him money which it agreed it owed him.background Mr B had a debt management plan with Money & More Limited. He signed the agreement in September 2013, and made agreed regular monthly payments. In Fe... (2 pages)View decision -
Decision Reference DRN-3590931
31 Aug 2022 Credit Link Account Recovery Solutions Limited Not upheldConsumer CreditDRN-3590931 The complaint Miss H has complained that Credit Link Account Recovery Solutions Limited are pursuing her for a debt which she feels they haven’t sufficiently proven she owes them. What happened This complaint surrounds a consumer credit account that was opened in 2019, and was ... (2 pages)View decision -
Decision Reference DRN3810225
15 Aug 2019 Paragon Finance Plc Not upheldBanking and creditMrs B complains that Paragon Finance PLC (Idem) is chasing her aggressively for a debt she disputes owing. And she further complains that unfair charges have been applied. She wants the debt written off or reduced and compensation.backgroundMrs B is represented in this complaint by F, a fi... (3 pages)View decision -
Decision Reference DRN-5543371
16 May 2025 PRA Group (UK) Limited Not upheldConsumer CreditDRN-5543371 The complaint Miss C complains that PRA Group (UK) is unfairly reporting adverse information to Credit Reference Agencies (“CRAs”). What happened Miss C held a credit card account with a bank I’ll refer to as “B”. She experienced some difficulty in maintaining repayments, a... (3 pages)View decision -
Decision Reference DRN-2348515
25 May 2021 Erudio Student Loans Limited Not upheldConsumer CreditDRN-2348515 The complaint Ms K says Erudio Student Loans Limited has treated her unfairly in the way it is pursuing her in relation to debts. What happened Erudio says Ms K has four student loans which Erudio has managed since March 2014, three under one account number (ending 3714) and on... (3 pages)View decision -
Decision Reference DRN-2106926
21 Aug 2020 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2106926The complaintMr A’s unhappy Cabot Credit Management Group Limited are asking him to repay a debt he says is unenforceable. This debt relates to two credit cards. A representative has brought this complaint on behalf of Mr A, but for simplicity I’ll just refer to him in this deci... (3 pages)View decision -
Decision Reference DRN7932782
7 Mar 2018 Christians Against Poverty Not upheldBanking and creditMrs M has complained about Christians Against Poverty’s management of her debt in 2011- 2012 when she was in a debt management plan with her (now ex-) husband. She wants them to pay back arrears that built up towards her mortgage, as well as arrange to remove Coun... (3 pages)View decision -
Decision Reference DRN-5309074
10 Feb 2025 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5309074 The complaint Mrs J complains that Barclays Bank Limited is reporting a debt on her credit file that it shouldn’t be reporting. Mrs J says this error has meant she hasn’t been offered more favourable mortgage rates. What happened Mrs J had an overdraft facility with Barclay... (3 pages)View decision
