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 70502 results
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Decision Reference DRN3659441
11 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMiss L and Mr R through their claims management company complain that the advice provided by Legal & General Partnership Services Limited to consolidate their debts was unsuitable.backgroundMiss L and Mr R had an existing mortgage. They remortgaged following advice f... (1 page)View decision -
Decision Reference DRN0943273
10 Feb 2017 Barclays Bank Plc Not upheldBanking and creditMr and Mrs S complain about the way in which Barclays Bank Plc has dealt with the closing of the accounts of Mrs S’s late mother.backgroundMrs S’s mother passed away in September 2016. She asked Barclays to close her late mother’s accounts and send her the balance.... (2 pages)View decision -
Decision Reference DRN-4477857
19 Dec 2023 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-4477857 The complaint Mr M has complained about Cabot Credit Management Group Limited, saying they used a legal threat to get him to pay towards an unenforceable account. What happened Mr M had several debts with Cabot. This complaint surrounds a defaulted credit card account which was... (2 pages)View decision -
Decision Reference DRN2329230
10 Apr 2018 Santander UK Plc Not upheldBanking and creditMr A complains that Santander UK Plc has applied charges unfairly to his account and sold the outstanding debt to a third party debt collection agency.backgroundMr A had two accounts with Santander. His main current account had a monthly direct-debit payment going ou... (2 pages)View decision -
Decision Reference DRN-3221284
4 Mar 2022 American Express Services Europe Limited (AESEL) UpheldBanking and PaymentsDRN-3221284 The complaint Mr F complains that American Express Services Europe Limited (‘Amex’) wrongly applied a default to his credit file. What happened Mr F had a business credit card and a personal credit card with Amex. In 2018 Mr F received notice that a default would be applied to ... (3 pages)View decision -
Decision Reference DRN4879694
17 Sep 2015 Clear View Finance Limited UpheldBanking and creditMs D complains Clear View Finance Limited agreed to help her reduce her debts but hasn’t done so.backgroundIn 2012 Ms D agreed that Clear View would help her reduce her debts. Ms D says she was told her plan would last less than three years. In 2015 Ms D complained t... (2 pages)View decision -
Decision Reference DRN-2560231
17 May 2021 Lowell Financial Ltd Not upheldConsumer CreditDRN-2560231 The complaint Mr B complains that Lowell Financial Ltd won’t provide documents to prove it owns debts it says it acquired in his name. What happened Lowell says that in 2015 it purchased five debts in Mr B’s name. Lowell sent Mr B a notice of assignment for each debt it says it... (2 pages)View decision -
Decision Reference DRN-2869113
5 Jul 2021 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-2869113 The complaint Mr K complains that Capquest Debt Recovery Limited is acting unfairly by not offering him a higher discount off his debt in line with the offers made by other businesses. What happened Mr K tells us that for some years he’s been paying off various debts to differe... (2 pages)View decision -
Decision Reference DRN6640841
20 May 2014 HSBC Bank plc Not upheldBanking and creditMr and Mrs R complain that HSBC Bank plc is wrongly requiring them to pay £175,000, rather than £100,000, under security they gave in 2003 for the debt of their son-in-law’s business. They want the bank to accept that they are only required to pay £100,000.Mr and Mrs R are supported in the... (4 pages)View decision -
Decision Reference DRN2587737
19 Sep 2014 Motormile Finance UK Limited UpheldBanking and creditMrs Y has complained that Motormile Finance UK Limited, trading as MMF, did not tell her that they now owned three of her debts. They also did not respond to her requests to deal with her in writing.backgroundMrs Y has some debts which she had not paid. These were sold to MMF who con... (2 pages)View decision
