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 69825 results
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Decision Reference DRN-2522022
28 Jan 2021 Lowell Financial Ltd Not upheldBanking and PaymentsDRN-2522022 The complaint Mr M complains about Lowell Financial Ltd’s actions when seeking to recover a debt. Mr M says Lowell has failed to show the debt it is seeking to collect was taken out by him. Mr M also complains that Lowell failed to treat him fairly despite being aware of his ci... (3 pages)View decision -
Decision Reference DRN4237989
17 Oct 2016 National Westminster Bank Plc Not upheldBanking and creditMs J complains about National Westminster Bank Plc’s failure to inform her that she was liable for an overdraft on a joint bank account with her ex-husband. background In June 2015, both Ms J and her ex-husband asked for Ms J to be removed from their joint bank account... (2 pages)View decision -
Decision Reference DRN7623105
21 Feb 2014 Nationwide Building Society Not upheldBanking and creditMr B complains that Nationwide Building Society did not take his financial difficulties into consideration.backgroundMr B was receiving assistance from a debt advice agency. He had been making payments under a repayment plan to Nationwide for his credit card debt. The repayment plan was u... (1 page)View decision -
Decision Reference DRN-3603289
15 Sep 2022 Kensington Mortgage Company Limited UpheldMortgagesDRN-3603289 The complaint Mr and Mrs B complain that Kensington Mortgage Company Limited (trading as Kensington Mortgages) is unfairly pursuing them for a shortfall debt some eight years after it took their property into possession and sold it. What happened Mr and Mrs B had a mortgage wit... (3 pages)View decision -
Decision Reference DRN-2895478
15 Jul 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2895478 The complaint Mr S complains that Vanquis Bank Limited (Vanquis) lent to him irresponsibly. What happened Mr S had a credit card from Vanquis since 2012. His credit limit was increased four times – in January 2013, June 2013, November 2013 and October 2015. The last increase wa... (3 pages)View decision -
Decision Reference DRN5455430
18 Oct 2016 HSBC Bank plc Not upheldPayment protection insurance (PPI)Mr B is complaining that HSBC Bank Plc (HSBC) mis-sold him a payment protection insurance (PPI) policy. He’s unhappy that it’s used the compensation it offered to reduce a debt.backgroundMr B took out a PPI policy alongside a credit card. Mr B complained to HSBC that ... (2 pages)View decision -
Decision Reference DRN5274752
3 Dec 2015 Barclays Bank Plc Not upheldBanking and creditMr E complains Barclays Bank Plc recorded default information on his credit file about his personal and business accounts. He thinks it gave him vague information and didn’t advise him properly about his business debts.backgroundMr E told us Barclays dealt with his ... (3 pages)View decision -
Decision Reference DRN-5155337
19 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5155337 The complaint Ms L complains that NewDay Ltd (NDay) lent to her irresponsibly. What happened In March 2016, NDay agreed to give a credit card to Ms L, and then offered and applied increases in the limit as shown: Limit increase number Date Limit March 2016 (new account) £30... (4 pages)View decision -
Decision Reference DRN2918918
24 Nov 2016 Ashley Park Debt Solutions Limited Not upheldBanking and creditMiss G complains that Ashley Park Debt Solutions Limited, trading as Ashley Park Financial Solutions, (“APDSL”), didn’t provide her with appropriate information when she entered into a debt management plan (“DMP”) with it. The complaint is brought to this service on Mis... (2 pages)View decision -
Decision Reference DRN3050152
13 Jul 2015 CT Capital PLC Not upheldBanking and creditMr and Mrs O complain that a representative of CT Capital PLC gave them unsuitable advice about a mortgage. They ask for compensation. backgroundMr and Mrs O had a mortgage, a secured loan and unsecured debts. They wanted to reduce their monthly debt payments and, in ... (3 pages)View decision
