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 DRN5640495
19 Sep 2016 National Westminster Bank Plc Not upheldBanking and creditMr J complains about the maladministration of an account he holds with National Westminster Bank Plc (“NatWest”). He says it didn’t respond to letters requesting information about the debt and therefore it is in breach of the tacit agreement that there is no debt.back... (2 pages)View decision -
Decision Reference DRN8823704
16 May 2014 Shoosmiths LLP UpheldBanking and creditMiss M complains that Shoosmiths LLP refused to accept her repayment plan and has not worked with her to resolve her debt.background Miss M owes money to a building society and she suggested a monthly payment regime which would take some 200 years to pay off the debt. The society sugges... (2 pages)View decision -
Decision Reference DRN8514877
20 Jun 2017 Lowell Financial Ltd Not upheldBanking and creditMr O complains that Lowell Financial Limited, (LFL”), is unfairly pursuing him for a debt he said was statute barred.backgroundMr O is unhappy that LFL has sent him debt collection correspondence for a debt that he says is statute barred. He said that LFL claimed that ... (2 pages)View decision -
Decision Reference DRN4464054
23 Jul 2014 Lloyds Bank PLC UpheldBanking and creditMiss A complains that Lloyds Bank PLC is wrongly pursuing her for a debt which she says she has already repaid. backgroundMiss A held a mortgage account and a current account with Lloyds, both of which were in arrears. Miss A sold her property to repay the mortgage debt and in May 2008... (2 pages)View decision -
Decision Reference DRN6670707
5 Jul 2013 Lloyds TSB Bank Plc UpheldBanking and creditMr S has complained that Lloyds TSB Bank Plc combined his debts and applied higher interest and charges to the outstanding balance. He also complains that the bank transferred the debt to a debt collection agency which began to chase him for repayment. backgroundOur adjudicator concluded ... (2 pages)View decision -
Decision Reference DRN3361852
15 Nov 2016 Debt Advisory Line Limited Not upheldBanking and creditMr R complains that a debt management plan was mis-sold to him by Debt Advisory Line Limited. He is being helped with his complaint by a representative.backgroundMr R entered into a debt management plan with Debt Advisory Line in 2009. A complaint was made to Debt ... (2 pages)View decision -
Decision Reference DRN-5024638
3 Oct 2024 National Westminster Bank Plc Not upheldConsumer CreditDRN-5024638 The complaint Mr G complains that National Westminster Bank Plc led him to believe that his debts had been consolidated into one account, when they had not been, and that as a result he unexpectedly still owes a substantial debt. What happened Mr G had a mortgage, a personal... (3 pages)View decision -
Decision Reference DRN3459367
27 Mar 2014 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs G complain that Lloyds Bank plc (previously Lloyds TSB Bank plc) wrongly retained the residual sale proceeds of their property in reduction of Mrs G’s business debt. backgroundMr and Mrs G signed a mortgage deed over a property that they owned, which gave Lloyds a second... (2 pages)View decision -
Decision Reference DRN8637469
30 Mar 2015 1st Credit Limited UpheldBanking and creditMr C has complained that 1st Credit Limited continued to ask him for payment of a debt when he believes this was not enforceable.backgroundIn April 2014 1st Credit contacted Mr C asking him to repay £3,755.94. This was a debt they’d bought from the original loan provi... (2 pages)View decision -
Decision Reference DRN8059911
16 Oct 2014 Sterling Financial Security Ltd UpheldBanking and creditMrs M has complained about the debt reduction plan she entered into with Sterling Financial Security Ltd, as her debt has not significantly reduced. She also believes that Sterling has made late payments to her creditors and has applied unjustified charges against her account. She wou... (2 pages)View decision
