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 DRN5704896
31 Jul 2013 Welcome Financial Services Limited UpheldPayment protection insurance (PPI)This complaint concerns a single premium payment protection insurance (PPI) policy taken out by Mr and Mrs A in relation to a secured loan. Mr and Mrs A say Welcome Financial Services Limited (“Welcome”) mis-sold the policy. backgroundMr and Mrs A took out a loan with PPI. Mr and Mrs A... (3 pages)View decision -
Decision Reference DRN0072606
29 Dec 2014 National Westminster Bank Plc UpheldPayment protection insurance (PPI)Mr A’s complaint is about the way National Westminster Bank Plc (NatWest) paid him compensation for a mis-sold payment protection insurance (PPI) policy.backgroundMr A complained to NatWest about a single premium PPI policy sold alongside a loan. NatWest agreed to uphold Mr A’s complai... (3 pages)View decision -
Decision Reference DRN-2411556
18 Jan 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2411556 The complaint Mr S is unhappy that Vanquis Bank Limited (Vanquis) didn’t tell him about a remaining debt on his credit card account which it reported to credit reference agencies. What happened Several years ago, Mr S entered into a debt management plan through an external orga... (2 pages)View decision -
Decision Reference DRN-2021049
28 Jul 2020 Landmark Mortgages Limited Not upheldMortgagesDRN-2021049 The complaintThis complaint is about a mortgage and unsecured loan Miss P took out in 2006. It was originally taken out with Northern Rock (later NRAM) on the advice and recommendation of a broker firm I’ll call “M”. The mortgage and loan are currently held by Landmark Mortgag... (3 pages)View decision -
Decision Reference DRN-3795999
8 Nov 2022 Sainsbury's Bank Plc Not upheldBanking and PaymentsDRN-3795999 The complaint Mr S complains about the way in which Sainsbury’s Bank Plc has pursued him for repayment of a credit card debt. What happened Mr S has explained that he has been out of work for many years. He had to retire because of post-traumatic stress disorder and depression.... (2 pages)View decision -
Decision Reference DRN-3764544
5 Dec 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3764544 The complaint Mrs B says National Westminster Bank Plc unfairly closed her credit card account and passed it to a debt collector when she was making her repayments. What happened Mrs B says she has never missed a payment her credit card account, and is within her limit, yet Nat... (2 pages)View decision -
Decision Reference DRN9470056
17 Sep 2015 HSBC Bank plc Not upheldBanking and creditMr A complains that HSBC Bank Plc shouldn’t have lent him as much money as they did, and should’ve helped him when he got into financial difficulties. He wants HSBC to write off his debt, change his credit record and pay him compensation.backgroundMr A has had va... (3 pages)View decision -
Decision Reference DRN0396472
20 Mar 2015 Lowell Financial Ltd Not upheldBanking and creditMr F complains that Lowell Financial Ltd has wrongly placed a default on his credit file.backgroundMr F had a debt with his bank that he did not pay. The bank defaulted the account and recorded this on Mr F’s credit file. Mr F explains that the debt was in dispute... (1 page)View decision -
Decision Reference DRN-3989164
4 Jul 2023 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-3989164 The complaint Mrs G complains that Lantern Debt Recovery Services Ltd (Lantern) purchased her debt of a loan from the administrators of the loan company, when it was still in dispute, and are pursuing recovery of the debt. What happened Mrs G took out a loan with a loan company... (2 pages)View decision -
Decision Reference DRN0899094
17 Dec 2013 Lloyds Bank PLC Not upheldBanking and creditMr J complains that Lloyds Bank PLC (previously Lloyds TSB Bank Plc) was slow to respond to his approach for a repayment arrangement on his overdraft debt and then made administrative errors in setting up the agreed arrangements. Mr J says that this caused him and his wife upset, inco... (3 pages)View decision
