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 70661 results
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Decision Reference DRN0594241
5 Jul 2013 Paratus AMC Limited Not upheldBanking and creditK820x summary of complaintMrs and Mr G complain that Paratus AMC Limited were irresponsible to lend to them as it did not consider the level of their outstanding debt. They said the mortgage is now unaffordable to them.background to complaintMrs and Mr G approached a broker for help ... (2 pages)View decision -
Decision Reference DRN0978836
11 Feb 2020 Hoist Finance UK Limited UpheldBanking and creditMr T complains that Hoist Finance UK Limited are asking him to repay a debt he doesn’t believe he owes. backgroundMr T held a current account with a bank (who I’ll refer to as “G”). He says he asked G to close this account in 1997 as he was moving abroad. Mr T says he also used to be an em... (3 pages)View decision -
Decision Reference DRN6973000
27 Nov 2019 Advanced Payment Solutions Limited UpheldBanking and creditMr D is unhappy Advanced Payment Solutions Limited (APS) didn’t tell him when he settledhis debt that it had been sold to a debt collection agency.backgroundMr D had an account with APS from September 2016. The account charged a monthlysubscription of £5.95.In September 2017, APS arranged ... (4 pages)View decision -
Decision Reference DRN-1576588
10 Sep 2020 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-1576588The complaintMr M is unhappy with how Bank of Scotland trading as Halifax (Halifax) is displaying information on his credit file. What happenedMr M experienced financial difficulty and entered into a Debt Arrangement Scheme (DAS). Once the DAS was finished Mr M discovered that s... (2 pages)View decision -
Decision Reference DRN5276101
15 Aug 2017 Santander UK Plc UpheldInsurance (excluding PPI)Miss M complains, via her relative, that Santander UK Plc has unfairly pursued her for unpaid insurance premiums which it attached to her mortgage which finished in 2004. She said the amount owing should be waived by Santander in acknowledgement of its error.background... (2 pages)View decision -
Decision Reference DRN4560384
30 Mar 2019 Santander Consumer (UK) Plc Not upheldBanking and creditMrs P complains that Santander Consumer (UK) Plc recorded inaccurate information on her credit file. Mrs P also complains that the default was registered later than it should’ve been. background The background to this complaint, and my initial conclusions, were set o... (4 pages)View decision -
Decision Reference DRN0366848
13 Mar 2017 Barclays Bank Plc UpheldBanking and creditMr H says Barclays Bank PLC, trading as Barclaycard, hasn’t dealt with his outstanding debts sympathetically or positively.backgroundMr H took out two credit cards with Egg Bank: the first was taken out in 2003, the second in 2004. In 2010 Mr H got into financial diffi... (3 pages)View decision -
Decision Reference DRN-2397222
18 Feb 2021 Virgin Media Mobile Finance Limited UpheldConsumer CreditDRN-2397222 The complaint Mrs S complains that Virgin Media Mobile Finance Limited (VM) pursued her to repay a debt that it should have written off following completion of a debt relief order (DRO). What happened Mrs S took out a loan to pay for a mobile phone with VM in October 2016. Mrs ... (2 pages)View decision -
Decision Reference DRN0903920
13 Jan 2016 Legal & General Partnership Services Limited UpheldBanking and creditMr R, through a claims manager (CMC), complains that he received unsuitable mortgage advice from a representative of Legal & General Partnership Services Limited (L&G).backgroundIn 2009, after taking advice from L&G, Mr R took out a new mortgage. He repaid... (2 pages)View decision -
Decision Reference DRN9778728
5 Jun 2018 Bank of Scotland Plc UpheldBanking and creditMr and Mrs H complain that Bank of Scotland plc (trading as Halifax) has registered a default against Mrs H, without giving her a chance to pay off the debt.backgroundMr and Mrs H had a joint account with Halifax, which had a large overdraft. Mr H told us that he... (3 pages)View decision
