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 69710 results
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Decision Reference DRN-3465666
6 May 2022 Barclays Bank UK PLC Not upheldConsumer CreditDRN-3465666 The complaint Mr K complains that Barclays Bank UK PLC made an irresponsible lending decision when it provided him with a loan. And it’s failed to treat him fairly when he’s later found himself in financial difficulties. What happened Mr K took out a personal loan with Barclays... (4 pages)View decision -
Decision Reference DRN3363003
20 Apr 2021 Lowell Portfolio I Ltd UpheldBanking and creditMr K complaints that Lowell Portfolio I Ltd is recording a default on his credit file when he wasn’t aware of it. He’s unhappy that Lowell contacted him at an address he says he didn’t live at and wants Lowell to remove the default from his credit file. background Mr K took out a loan with... (5 pages)View decision -
Decision Reference DRN4710252
30 Jan 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs R complain that Legal & General Partnership Services Limited advised them to consolidate a loan and credit card debt into a mortgage and recommended a more expensive mortgage than was necessary. They are assisted in bringing their complaint by a claims management company.b... (2 pages)View decision -
Decision Reference DRN6062515
20 Jul 2017 HSBC Bank plc Not upheldBanking and creditMr R has complained that poor service by HSBC Bank Plc has left him unable to properly manage his current accounts. Mr R also complains that HSBC hasn’t frozen the interest or suspended its debt recovery actions.backgroundMr R says illness and a change in his perso... (2 pages)View decision -
Decision Reference DRN0978836
11 Feb 2020 Hoist Finance UK Limited UpheldBanking and creditMr T complains that Hoist Finance UK Limited are asking him to repay a debt he doesn’t believe he owes. backgroundMr T held a current account with a bank (who I’ll refer to as “G”). He says he asked G to close this account in 1997 as he was moving abroad. Mr T says he also used to be an em... (3 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 DRN-1077729
4 Mar 2020 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-1077729 The complaintMr S is unhappy that The Royal Bank of Scotland Plc (RBS) sold his debt to a collections company even though it told him it wouldn’t. What happenedMr S had two accounts with RBS which were in debt and it was monitoring the repayments he agreed to make. Mr S complai... (2 pages)View decision -
Decision Reference DRN7524221
13 Jun 2016 MBNA Limited Not upheldBanking and creditMrs M wants MBNA Limited to honour its agreement to accept partial settlement of an outstanding debt.backgroundMrs M entered a debt management plan. Her debt management company (DMC) offered MBNA a partial settlement on her outstanding debt.MBNA accepted the offer on... (2 pages)View decision -
Decision Reference DRN3327128
30 Mar 2020 Legal & General Partnership Services Limited Not upheldBanking and creditMr T and Mrs L complain they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.background Mr T and Mrs L had a mortgage taken out in 2006. Just over a year later, in 2008, they re- mortgaged on L&G’s advice. In doing so they pai... (3 pages)View decision -
Decision Reference DRN0186652
16 Mar 2016 Capquest Debt Recovery Limited Not upheldBanking and creditMr M complains about the way Capquest Debt Recovery Limited has dealt with queries he had on his account. backgroundMr M opened a store account in the 1996. He says he last used it in 2001. The balance in this account was sold to Capquest in June 2013, and it manag... (2 pages)View decision
