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 71745 results
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Decision Reference DRN9635161
19 Dec 2013 Bank of Scotland Plc Not upheldBanking and creditMr T complains that Bank of Scotland plc (trading as Halifax) sold his debt to a third party, despite having agreed to write off the debt after five years. Mr T also says the debt should be statute barred. backgroundIn 2007 Mr T’s debt was passed to Halifax’s debt recovery department. ... (1 page)View decision -
Decision Reference DRN0388472
24 Jan 2019 Bank of Scotland Plc Not upheldBanking and creditMr R complains that Bank of Scotland plc trading as Halifax incorrectly applied a default on his credit file. He would like this default removed and compensation for the time and effort taken in raising this complaint.backgroundMr R fell into financial difficulties ... (3 pages)View decision -
Decision Reference DRN5936444
31 Mar 2016 Lowell Portfolio I Ltd UpheldBanking and creditMr P complains Lowell Portfolio I Ltd, (“Lowell”), pursued him for a debt that had already been established wasn’t his.backgroundLowell bought an existing account from another lender in 2015. It then contacted Mr P to seek repayment.Mr P said he’d previously informed t... (2 pages)View decision -
Decision Reference DRN8843086
7 Mar 2014 Bank of Scotland Plc UpheldBanking and creditMr T complains that Bank of Scotland plc (“BoS”) unfairly holds him liable for debts of his limited company.backgroundMr T was director of a limited company that had its current account with BoS. There was an overdraft facility, and Mr T had given his personal guarantee for the company... (4 pages)View decision -
Decision Reference DRN3331053
30 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMiss B complains about a debt reduction agreement that she took out with NEO Media Solutions Limited, trading as One Debt Solution. She complains that it did not pay money to her creditors as it had agreed to do.backgroundMiss B entered into a debt reduction agreement with One Debt So... (2 pages)View decision -
Decision Reference DRN3031709
2 Mar 2017 Bank of Scotland Plc Not upheldBanking and creditMr A’s complaint’s about how Bank of Scotland plc (trading as Halifax) (“Halifax”) treated him when pursuing him for an outstanding debt.backgroundMr A says he started to experience financial difficulty in 2009 when he lost his job. At that time he had an outstanding... (3 pages)View decision -
Decision Reference DRN0770401
30 Sep 2014 Barclays Bank Plc Not upheldBanking and creditMr L complains that Barclays Bank PLC, trading as Barclaycard, and its predecessor, should have registered defaults in relation to his credit card accounts in 2009 and treated him unfairly in not doing so.backgroundIn 2009, Mr L entered into a debt management programme and paid redu... (3 pages)View decision -
Decision Reference DRN5313453
19 Jan 2017 DFH Limited Not upheldBanking and creditMr C complains, in summary, that DFH Limited, trading as DFH Financial Solutions, (“DFH”), didn’t provide him with appropriate information when he entered into a debt management plan (“DMP”) with it. The complaint is brought to this service on Mr C’s behalf by a ... (2 pages)View decision -
Decision Reference DRN8782320
1 Oct 2015 MKDP LLP Not upheldBanking and creditMr R complains MKDP LLP continues to harass him about a debt it bought despite Mr R telling it the debt was unenforceable.backgroundMr R, through a third party, told MKDP that the debt it had bought from a bank I’ll call F was unenforceable. The third party said the de... (1 page)View decision -
Decision Reference DRN9964690
5 Jan 2017 Bank of Scotland Plc Not upheldBanking and creditMr A complains that Bank of Scotland plc (trading as Halifax) has not allowed him a fair chance to clear his overdraft debt.backgroundMr A had a current account with Halifax, on which there was a significant overdrawn balance. He says that Halifax withdrew the overd... (2 pages)View decision
