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 DRN8335936
22 Jan 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMrs R complains that Lowell Portfolio 1 Ltd has acted inappropriately in pursuing her for a debt.Mrs R’s relative who I shall refer to as “Mr Z” represents her in this complaint.Our initial conclusionsOur adjudicator did not recommend that the complaint should be upheld.Lowell accept... (2 pages)View decision -
Decision Reference DRN8534547
5 Sep 2013 Bank of Scotland Plc Not upheldBanking and creditMr L complains that Bank of Scotland Plc (trading as Halifax) is pursuing him for a debt that he knows nothing about, and which it cannot prove he owes.backgroundThe debt that Halifax is asking Mr L to repay is on a current account in his name. It says that the debt was first created w... (2 pages)View decision -
Decision Reference DRN3272311
27 May 2016 Cabot Financial (UK) Limited Not upheldBanking and creditMs B complains that Cabot Financial (UK) Limited is pursuing her for a debt on a store card that she says she didn’t own or use.background Ms B was being pursued in 2008 for a debt on a store card account but she says that the debt isn’t hers. The debt was assi... (2 pages)View decision -
Decision Reference DRN-4395944
20 Oct 2023 Vodafone Limited Not upheldConsumer CreditDRN-4395944 The complaint Mr M has complained that Vodafone Limited recorded a default on his credit file in relation to a fixed sum loan agreement he’d taken out to buy a phone. What happened The circumstances of the complaint are well known to both parties. So I’m not going to cover off ... (3 pages)View decision -
Decision Reference DRN8672496
3 Nov 2016 WorldPay (UK) Limited UpheldBanking and creditMr T complains that WorldPay (UK) Limited failed to tell him about arrears accruing on one of his accounts.background Mr T had merchant services arrangements with WorldPay for his business. WorldPay contacted Mr T to say that there was an unpaid debt on his account, ... (3 pages)View decision -
Decision Reference DRN1600569
16 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMrs J complains that she was given poor advice by an authorised representative of Legal & General Partnership Services Limited (L&G) when she re-mortgaged her house in 2005. Mrs J, who is represented by a claims management company (CMC), says this advice means s... (3 pages)View decision -
Decision Reference DRN-2564426
29 Apr 2021 Bank of Scotland Plc Not upheldMortgagesDRN-2564426 The complaint Mr A complains that Bank of Scotland plc trading as Birmingham Midshires (“BM”) repossessed two properties that he had mortgaged with them in 2008, then sold them for much less than the outstanding mortgages. BM is now pursuing him for the shortfall. What happened... (2 pages)View decision -
Decision Reference DRN5245277
9 May 2017 Lowell Portfolio I Ltd Not upheldBanking and creditMr L complains that he has not been provided with information, including a copy of a deed of assignment by which Lowell Portfolio I Ltd (‘Lowell’) purchased a credit card debt Lowell says he owes. He wants either a copy of the deed or the debt cancelled and all re... (2 pages)View decision -
Decision Reference DRN3557614
30 Sep 2014 Lloyds Bank PLC Not upheldBanking and creditMr T complains that Lloyds Bank PLC is pursuing him for a debt that he says is not his. backgroundMr T was a partner in a business, from which he resigned in 2009. Lloyds says that it has no record of Mr T’s resignation and, as a partner, it considers that he remains jointly and several... (2 pages)View decision -
Decision Reference DRN5035634
12 Feb 2019 The Royal Bank of Scotland Plc Not upheldBanking and creditMr M complains that The Royal Bank of Scotland plc (RBS) put a charge on his property. He doesn’t believe it should have done so as he was in the process of setting up a trust deed at the time. Mr M would like the charge taken off his property.backgroundMr M says i... (3 pages)View decision
