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 77331 results
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Decision Reference DRN4841144
18 Mar 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMr B complains that Lowell Portfolio I Limited (“LPL”) is unfairly asking him to pay a debt that he does not owe it. The complaint is brought on behalf of Mr B by an adviser, but for ease I shall refer below to all actions being taken by Mr B.backgroundMr B ha... (2 pages)View decision -
Decision Reference DRN-4487105
2 Feb 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4487105 The complaint Mr H complains that Lloyds Bank PLC (Lloyds) lent to him irresponsibly. What happened In October 2001, Lloyds agreed to provide a credit card to Mr H. The limit was said (by Mr H) to be £6,000. In 2006, Mr H entered a Debt Management Plan (DMP). In August 2012, Ll... (3 pages)View decision -
Decision Reference DRN7393652
5 Mar 2019 Cabot Credit Management Group Limited UpheldBanking and creditMr G complains Cabot Credit Management Group Limited has been pursuing him for debts he says he doesn’t owe. He wants it to provide proof of the debts or stop chasing him.background Mr G tells us Cabot has been chasing him for several debts - but hasn’t sent him b... (2 pages)View decision -
Decision Reference DRN8111863
9 Apr 2019 Totemic Limited Not upheldBanking and creditMr and Mrs P complain that they were badly advised about their debts by Totemic Limited.backgroundIn 2009, Mr and Mrs P approached Totemic for help with managing their financial situation. After collecting information relating to their income and expenditure, Totemi... (4 pages)View decision -
Decision Reference DRN2650559
30 Nov 2015 MBNA Limited Not upheldBanking and creditMr M complains that MBNA Limited sold a debt to a third party agency without informing him of the debt or that it would be selling it.backgroundIn 2013, Mr M informed all his creditors that he was in financial difficulties. Mr M says that he contacted MBNA and a... (2 pages)View decision -
Decision Reference DRN9637614
14 Feb 2017 The Royal Bank of Scotland Plc Not upheldBanking and creditMs S complains that The Royal Bank of Scotland Plc has unfairly refused her application for a further advance. She would like RBS to apologise and accept her application so that she can clear her outstanding debts and lower her monthly payment.backgroundIn 2007 Ms S’... (2 pages)View decision -
Decision Reference DRN4422186
20 May 2014 Cabot Financial (UK) Limited UpheldBanking and creditMr J complains that Cabot Financial (Europe) Limited wrongly pursued him for payment of incorrect debt amounts.background Mr J had two credit card debts which were assigned to Cabot in 2009. Mr J had been told by his original credit card provider in 2007 that his two debts had been froz... (2 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 DRN3832580
14 Oct 2014 Gregson and Brooke Ltd UpheldBanking and creditMr D complains about a debt management plan (‘DMP’) he had with Gregson and Brooke Limited. In summary, he says that Gregson and Brooke failed to distribute money on to his creditors, and took a lot of money in fees. backgroundIn summary, Mr D says that Gregson and Brooke did not expl... (2 pages)View decision -
Decision Reference DRN9575389
3 Jan 2018 Moorcroft Debt Recovery Limited Not upheldBanking and creditMr L complains that Moorcroft Debt Recovery Limited (Moorcroft) are pressurising him to make payments against a debt he doesn’t think he owes and that they haven’t taken account of his mental and physical disabilities.backgroundMr L opened a credit card account in 2007 ... (3 pages)View decision