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 DRN1576494
13 Jun 2014 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr A’s complaint is that The Royal Bank of Scotland Plc (RBS) used part of the redress from a mis-sold payment protection insurance (PPI) policy to offset an outstanding debt on his current account. Mr A wants RBS to pay all the redress directly to him.backgroundIn 2013 Mr A complained t... (3 pages)View decision -
Decision Reference DRN4315441
1 Nov 2013 Cabot Financial (Europe) Limited Not upheldBanking and creditMr T complains that Cabot Financial (Europe) Limited (“Cabot”) is seeking repayment from him of an incorrect amountbackgroundMr T originally had a debt with another financial provider (“the original lender”) which was sold to Cabot in April 2011. Mr T was told about the debt sale in May... (2 pages)View decision -
Decision Reference DRN0531488
15 Jan 2019 Lloyds Bank PLC Not upheldBanking and creditMrs H complains that Lloyds Bank PLC paid a refund she was due on her credit card account to a debt purchaser instead of her. backgroundMrs H had a credit card account that defaulted in 2012. The debt on the account was sold to a debt purchaser in 2014. In December... (2 pages)View decision -
Decision Reference DRN7393652
5 Mar 2019 Cabot Credit Management Group Limited UpheldBanking and creditMr G complains Cabot Credit Management Group Limited has been pursuing him for debts he says he doesn’t owe. He wants it to provide proof of the debts or stop chasing him.background Mr G tells us Cabot has been chasing him for several debts - but hasn’t sent him b... (2 pages)View decision -
Decision Reference DRN-2832291
23 Aug 2021 Nationwide Building Society Not upheldMortgagesDRN-2832291 The complaint Mr and Mrs B’s complaint is about additional borrowing they applied for on their mortgage with Nationwide Building Society. They are unhappy that whilst the decision in principle was an accept, Nationwide later declined the application, leaving them in a difficult... (4 pages)View decision -
Decision Reference DRN5921507
21 Apr 2015 MKDP LLP Not upheldBanking and creditMr H complains that MKDP LLP is wrong to chase him for a debt that’s unenforceable and statute barred. And he says it should remove a default from his credit file. backgroundMr H says this debt is more than six years old and time barred under the Limitation Act 1980.... (2 pages)View decision -
Decision Reference DRN3222571
20 Jul 2017 Debitum Limited UpheldBanking and creditMs C’s complained about a debt management plan she entered into with Debitum Limited. She’s unhappy that despite her paying £240 a month her debts weren’t settled.backgroundMs C entered into a debt management plan with Debitum in 2010. She says it agreed that it wo... (3 pages)View decision -
Decision Reference DRN4750010
19 Dec 2014 Think Loans and Mortgages Limited Not upheldBanking and creditMiss Q’s complaint relates to the advice she received from Think Loans and Mortgages Limited (hereafter referred to as TLM) in 2007. This advice related to the purchase of a property under the right-to-buy (RTB) scheme. Miss Q’s representative has said that this was inappropriate due ... (3 pages)View decision -
Decision Reference DRN-4318416
27 Sep 2023 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-4318416 The complaint Mr G complains about legal action Cabot Credit Management Group Limited intends to take in relation to a credit card debt. What happened Mr G had a credit card with a business I’ll call N that was closed at default in June 2022. Cabot purchased the debt from N in ... (3 pages)View decision -
Decision Reference DRN-4461788
1 Dec 2023 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4461788 The complaint Mrs G complains that Tesco Personal Finance PLC trading as Tesco Bank irresponsibly agreed a loan for her. What happened Tesco agreed a loan of £14,999.29 for Mrs G in January 2019. The total amount owed was £18,528.60 to be repaid at £308.81 a month over 5 years.... (3 pages)View decision
