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
-
Decision Reference DRN8376727
28 Jan 2014 Link Financial Outsourcing Limited Not upheldBanking and creditMr E’s credit card debt was sold to Link Financial Outsourcing Limited. His complaint, in summary, is that: Link Financial refuses to disclose how much it paid for the debt. The original debt is unenforceable. The PPI payments and interest should be deducted from the amount outs... (2 pages)View decision -
Decision Reference DRN6590916
24 Apr 2013 Bank of Scotland Plc Not upheldBanking and creditMiss Y complains that Bank of Scotland will not deal with her directly to discuss a repayment plan on her loan. She is unhappy that her account is being handled by debt collection agents and believes that this breaches her data protection rights.backgroundA default notice was issued... (2 pages)View decision -
Decision Reference DRN2099109
2 Jul 2015 Apex Credit Management Limited Not upheldBanking and creditMr S complains that Apex Credit Management Limited (“Apex”) did not carry out the due diligence it should have when it bought a credit card debt he owed to a card company (“Company C”). If it had, it would have found his debt was covered by a valid PPI policy he h... (2 pages)View decision -
Decision Reference DRN7162934
30 Apr 2019 Barclays Bank UK PLC Not upheldBanking and creditMiss R complains that the Specialist Care Handling Team (“SCHT”) at Barclays Bank UK PLC hasn’t contacted her despite assurances that it would. backgroundIn April 2017 Miss R contacted Barclays and asked it to write off her debts as she was experiencing financial di... (2 pages)View decision -
Decision Reference DRN2809446
12 Mar 2015 Lloyds Bank PLC Not upheldBanking and creditMr A complains that Lloyds Bank plc wrongly held him liable for a loan taken out in his name by his former partner.backgroundMr A held a joint Lloyds current account with his partner, Ms B. Following an online loan application, Lloyds granted a loan in Mr A’s name and the proceeds of the... (2 pages)View decision -
Decision Reference DRN8185743
22 Jun 2017 Paragon Bank Plc Not upheldBanking and creditMrs F is complaining about the way Paragon Bank Plc trading as Moorgate Loan Servicing (Moorgate) recorded information on her credit file. backgroundIn 2012, Moorgate purchased Mrs F’s credit card account from another company. She’d previously agreed a debt management ... (2 pages)View decision -
Decision Reference DRN5657713
6 Jan 2020 The Royal Bank of Scotland Plc Not upheldBanking and creditMr W complains that The Royal Bank of Scotland Plc (“RBS”) shouldn’t have given him a loan. He says his personal circumstances meant that it was inappropriate – the bank acted irresponsibly when it granted him the loan.backgroundMr W says he contacted RBS in January 2018 to ask if it would... (3 pages)View decision -
Decision Reference DRN0868139
29 Nov 2013 Swinton Group Ltd UpheldInsurance (excluding PPI)Mr K complains that Swinton Group Limited continued to pursue him for an outstanding balance on his motor insurance policy, after it had said it would no longer expect its repayment.Mr K’s solicitor brings the complaint on his behalf.backgroundMr K contacted Swinton to say he had decided... (3 pages)View decision -
Decision Reference DRN3748277
2 Jul 2013 HSBC Bank plc UpheldPayment protection insurance (PPI)summary of complaintThis complaint concerns two single premium payment protection insurance (PPI) policies purchased in connection with two unsecured loans obtained in 2001 and 2005 with HSBC Bank Plc.background to complaintMiss A purchased two single premium PPI policies in connection ... (3 pages)View decision -
Decision Reference DRN3389669
17 Dec 2013 Lloyds Bank PLC Not upheldBanking and creditMr J complains about the way that Lloyds Bank plc (previously Lloyds TSB Bank plc) has dealt with him in connection with the enforcement of a personal guarantee. backgroundMr J, jointly with another director, gave a director’s personal guarantee to Lloyds in support of the bank’s lend... (2 pages)View decision
