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 DRN3273675
26 Sep 2016 The Co-operative Bank Plc Not upheldPayment protection insurance (PPI)Mrs R’s complaint is about the sale of payment protection insurance (PPI) policies in connection with a series of accounts she had with The Co-operative Bank PLC (The Co-op). The Co-op has agreed to uphold her complaint but she’s unhappy with the way it’s used the ... (2 pages)View decision -
Decision Reference DRN-5077072
20 Nov 2024 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-5077072 The complaint Mr D has complained about Lowell Portfolio I Ltd taking a regularly scheduled token payment while their contact was on hold. What happened This complaint surrounds a credit card account which was taken out in 1996, defaulted in 2003, and was eventually purchase... (3 pages)View decision -
Decision Reference DRN8695937
16 Sep 2014 Vanquis Bank Limited UpheldBanking and creditMr F complained because he was being pursued by a debt collection agency for a credit card debt to Vanquis Bank Limited. Mr F said he had paid £800 to a doorstep collector as a deal to end his debts, and therefore no money was due. He wants the account to be closed so he is no lon... (2 pages)View decision -
Decision Reference DRN6870205
2 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMr and Mrs G complain about a debt reduction agreement that they took out with NEO Media Solutions Limited, trading as One Debt Solutions. They complain that it did not pay money to their creditors as it had agreed to do.backgroundMr and Mrs G entered into a debt reduction agreement wi... (2 pages)View decision -
Decision Reference DRN7184821
22 Mar 2016 Legal & General Partnership Services Limited UpheldBanking and creditMrs A complains that she was mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (L&G).backgroundL&G made a recommendation to Mrs A for a remortgage. She also consolidated credit card debts and a loan into the n... (2 pages)View decision -
Decision Reference DRN1717272
23 Oct 2017 Hoist Finance UK Limited Not upheldBanking and creditMr O has complained Hoist Finance UK Limited hasn’t met the terms of the Consumer Credit Act in asking him to pay a debt on a credit card. He wants them to give him a signed credit agreement, all of his personal data they hold and prove they’re the legal owner of th... (2 pages)View decision -
Decision Reference DRN7792896
2 Dec 2014 Lloyds Bank PLC Not upheldBanking and creditMr L complains that Lloyds Bank PLC went back on assurances it gave him about how he could deal with his bank accounts, defaulting and closing his current account without telling him. backgroundMr L held his personal banking with Lloyds and also had business banking with Lloyds in res... (3 pages)View decision -
Decision Reference DRN6253368
4 Nov 2014 Skyfire Insurance Company Limited Not upheldInsurance (excluding PPI)Mr E complains that Skyfire Insurance Company Limited (trading as 1st Central) passed his debt for an outstanding premium due on his motor insurance policy to its debt collectors prematurely. He seeks compensation for its poor service and the hassle he has experienced. backgroundMr E’s ... (2 pages)View decision -
Decision Reference DRN-4461764
13 Dec 2023 Freedom Finance Limited UpheldMortgagesDRN-4461764 The complaint Mr K complains that Freedom Finance Limited mis-sold him a second charge mortgage (secured loan). What happened In September 2019 Mr K contacted Freedom Finance to discuss taking out a secured loan. He wanted to explore consolidating existing unsecured debt to red... (7 pages)View decision -
Decision Reference DRN6422904
16 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMrs S complains about a debt reduction agreement that she took out with NEO Media Solutions Limited, trading as One Debt Solution. She complains that it did not pay money to her creditors as it had agreed to do and that it did not respond to her requests for information.backgroundMrs S ... (2 pages)View decision
