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 70772 results
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Decision Reference DRN9479487
16 Dec 2014 Apex Collections Limited Not upheldBanking and creditMr F complains about debt management activities carried out by Apex Collections Limited trading as Apex Credit Management (“Apex”).backgroundApex carries out debt collection activities on behalf of lenders with regulated credit agreements. Mr F had a debt owed to a creditor which had be... (2 pages)View decision -
Decision Reference DRN1862425
30 Dec 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs P complain that an authorized representative of Legal & General Partnership Services Limited (“L&G”) mis-sold them a mortgage.backgroundIn 2009, Mr and Mrs P were advised by L&G’s representative to take out a mortgage. The main purpose of the... (2 pages)View decision -
Decision Reference DRN9716827
2 Jul 2015 HSBC Bank plc Not upheldBanking and creditMiss S complains that HSBC Bank plc passed on a debt to a debt collection agency which she says arose as the result of fraud on her current account. She says the bank told her she would not be held responsible for the debt.backgroundOn 16 April 2008, a cheque for... (2 pages)View decision -
Decision Reference DRN1630816
29 Nov 2013 Lloyds Bank PLC Not upheldBanking and creditMr T complains that Lloyds Bank plc is pursuing him for a debt that he does not owe it. He also complains that Lloyds told his wife about the debt, and that its collection agents harassed him whilst in hospital and generally.backgroundMr T said that he was being pursued by Lloyds, and a... (3 pages)View decision -
Decision Reference DRN2235105
6 Feb 2017 HSBC Bank plc Not upheldBanking and creditMrs C complains that she still has an outstanding debt with HSBC Bank plc. She believes she has overpaid the debt. She wants the debt written off.backgroundMrs C says she made regular payments to pay off the outstanding debt on her credit card. She made these paymen... (2 pages)View decision -
Decision Reference DRN8352923
26 Feb 2015 Idem Capital Securities Limited Not upheldBanking and creditMr E complains that Idem Capital Securities Limited (trading as Idem Servicing) is chasing him to pay an unenforceable debt it doesn’t own – and harassing him by using multiple debt collectors. backgroundIn 2007 Mr E entered into a hire purchase (“HP”) agreement with a third party – ... (2 pages)View decision -
Decision Reference DRN5963805
29 Sep 2016 Mercedes-Benz Financial Services UK Limited Not upheldBanking and creditMr R complains that Mercedes-Benz Financial Services UK Limited (“MBFS”) delayed updating his credit file when his debt was repaid.background Mr R had bought a car under a credit agreement with MBFS. He sold the car to a third party, on the basis that the buyer would ... (2 pages)View decision -
Decision Reference DRN3379142
17 Oct 2014 MKDP LLP Not upheldBanking and creditMiss A complains about a debt that MKDP LLP purchased and is seeking to recover. She believes the debt is statute barred, so MKDP should no longer be seeking payment from her; the date the account was defaulted is incorrect; and, she is unhappy about the way it dealt with her complain... (2 pages)View decision -
Decision Reference DRN3599966
2 Jul 2015 Ruthbridge Limited Not upheldBanking and creditMr G complains that Ruthbridge Limited was wrong to contact him about debts that weren’t his and refuse to provide further details.backgroundRuthbridge contacted Mr G about credit card debts on behalf of the debt owner. When Mr G responded it asked him for personal ... (2 pages)View decision -
Decision Reference DRN6205095
26 Sep 2018 Clydesdale Bank Plc Not upheldBanking and creditMr B complains that Clydesdale Bank Plc sold his debt to an overseas company which isn’t regulated in the UK.backgroundMr B had a commercial real estate loan with Clydesdale which came to the end of its term in 2014.At that point, Clydesdale agreed to continue to all... (3 pages)View decision
