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
-
Decision Reference DRN-3176039
10 Jan 2022 Hoist Finance UK Limited UpheldConsumer CreditDRN-3176039 The complaint Mr and Mrs S complain Hoist Finance UK Limited has said they owe money for a debt after telling them all debts had been repaid. What happened Mr and Mrs S were in a debt management plan with a company I’ll call P for 14 years. Hoist was one of the creditors. Three... (2 pages)View decision -
Decision Reference DRN1723920
6 Nov 2013 The Royal Bank of Scotland Plc UpheldBanking and creditMr and Mrs D complain that The Royal Bank of Scotland plc is seeking to enforce a personal guarantee against them. backgroundMr and Mrs D signed a personal guarantee in April 2007, relating to the debts of a company. The guarantee was secured by a charge on their home. The charge was re... (2 pages)View decision -
Decision Reference DRN-4661452
20 Mar 2024 Lendable Ltd Not upheldConsumer CreditDRN-4661452 The complaint Mr D complains that Lendable Ltd is unfairly reporting missed payments to the credit reference agencies in respect of two loans he has with it. What happened Mr D entered into two loans with Lendable. He was making contractual repayments until December 2020 when h... (3 pages)View decision -
Decision Reference DRN2912827
9 Dec 2015 Santander UK Plc Not upheldPayment protection insurance (PPI)Miss F has complained that she was mis-sold a payment protection insurance (“PPI”) policy by Santander UK Plc (“Santander”), trading as Alliance and Leicester.backgroundMiss F took out a loan through Alliance and Leicester in 2001 and at the same time took out a PPI ... (2 pages)View decision -
Decision Reference DRN6207556
5 Aug 2019 National Westminster Bank Plc Not upheldBanking and creditMr C’s unhappy that National Westminster Bank Plc (NatWest) are chasing him for payment of a debt on a personal credit card account which he thought had been paid off in 2016. backgroundNatWest say that Mr C held a personal credit card account with them, and the last payment for this accou... (2 pages)View decision -
Decision Reference DRN1922109
15 Aug 2013 BCB Solutions Limited UpheldBanking and creditMr L complains that BCB Solutions Limited (trading as MyClaimsExpert) failed to administer a debt management plan adequately, causing him severe distress.backgroundMr L set up a debt management plan with MyClaimsExpert in July 2011. This was to repay two debts with the same creditor, pr... (2 pages)View decision -
Decision Reference DRN4206690
14 Feb 2020 Lloyds Bank PLC Not upheldBanking and creditMr B complains that Lloyds Bank PLC unfairly placed late payment markers on his credit file.backgroundMr B got into financial difficulty a number of years ago. He entered into a debt arrangement scheme. But he says Lloyds continued to mark his credit file with late payments, even though hi... (3 pages)View decision -
Decision Reference DRN-4507685
8 Mar 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4507685 The complaint Miss T complains that Barclays Bank UK PLC trading as Barclaycard gave her incorrect information about regarding her debt. What happened Miss T held an account with Barclaycard which defaulted in 2017 after it fell into arrears and remained unpaid. In 2021 Miss T ... (2 pages)View decision -
Decision Reference DRN6915333
16 Oct 2018 Instant Cash Loans Limited Not upheldBanking and creditMr S complains that Instant Cash Loans Limited, trading as The Money Shop, acted unfairly in selling the outstanding balance of one of his loans to a third party debt collector. backgroundIn 2012 and 2013, Mr S took out four loans with The Money Shop. Mr S didn’t ... (2 pages)View decision -
Decision Reference DRN3000472
20 Feb 2014 HSBC Bank plc Not upheldBanking and creditMr N complains that HSBC Bank Plc continued to pursue him for a debt for three years after it agreed that the debt was not his.background A fraudster borrowed money in Mr N’s name from HSBC. As a result of the fraudster’s actions, there was an unpaid debt and HSBC applied a default mar... (2 pages)View decision
