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 DRN0361044
30 Apr 2015 House & Home Care Limited Not upheldBanking and creditMiss F complains that House & Home Care Ltd (the business) has provided her with poor service. She says it has not provided her with a clear account of where her payments have gone.background Miss F entered into a debt settlement plan with the business in January... (2 pages)View decision -
Decision Reference DRN8907676
26 Oct 2018 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)Miss N is unhappy with how National Westminster Bank Plc (‘NatWest’) resolved her complaint about four payment protection insurance (‘PPI’) policies attached to four loans. backgroundMiss N took out four loans with NatWest over a period between 1999 and 2002. Each ... (3 pages)View decision -
Decision Reference DRN1727301
1 Dec 2016 Clydesdale Bank Plc Not upheldBanking and creditA director, Mr D, has raised a complaint on behalf of his company, which I’ll call P Ltd.P Ltd’s concerned that Clydesdale Bank plc (“Clydesdale”) sold its debt to an unregulated lender.backgroundP Ltd had an overdraft with Clydesdale until June 2015, when the debt... (2 pages)View decision -
Decision Reference DRN0414771
30 Mar 2019 Foundation for Credit Counselling Not upheldBanking and creditMr B’s complained that Foundation for Credit Counselling (FCC) made a mistake when setting up his debt relief order (DRO).backgroundWhen Mr B was contacted by creditors asking him to pay a debt of £1,500 he realised it hadn’t been included in his DRO. He complain... (2 pages)View decision -
Decision Reference DRN7925805
8 Jul 2014 Pentagon (UK) Limited Not upheldBanking and creditMiss W and Mr T complain that: Pentagon (UK) Limited (trading as EuroDebt Financial Services) failed to tell them that their lender was unlikely to agree to freeze interest if they entered into a debt management plan, and when it did in fact refuse to do so; and the debt managem... (3 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 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 DRN3254356
11 Apr 2013 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs A complain that Halifax gave them an unsuitable solution to their debt problems in arranging to consolidate unsecured loans to their mortgage. Mr and Mrs A said they were unable to sustain their level of debt and the further advance put them under more pressure. They said Hali... (2 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 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
