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 DRN0551622
10 Aug 2018 Tesco Personal Finance PLC Not upheldPayment protection insurance (PPI)Mr K has complained about the compensation he’s been offered by Tesco Personal Finance PLC (‘Tesco’) for the payment protection insurance (‘PPI’) policy that was sold to him on his credit card account. backgroundMr K was sold a PPI policy on his credit card account... (3 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 DRN-2525655
25 Jan 2021 Bank of Scotland Plc Not upheldMortgagesDRN-2525655 The complaint This complaint is brought by Miss W, in her capacity as Executor of the estate of her late father, Mr W, who died in 2006. Miss W’s complaint is about the way Bank of Scotland Plc (trading as Halifax) has dealt with her late father’s Retirement Home Plan mortgage ... (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 DRN-2657126
30 Apr 2021 NCO Europe Limited Not upheldConsumer CreditDRN-2657126 The complaint Mr N complains NCO Europe Limited are harassing and intimidating him into repaying debts for two accounts that are unenforceable. The debts are owned by another company, but as Mr N’s concerns relate to NCO I’ve mainly referred to them in this decision. What happe... (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 -
Decision Reference DRN4269729
30 Jan 2015 J D Williams & Company Limited Not upheldBanking and creditMr N complains J D Williams & Company Limited trading as Marisota instructed a third party debt collector to chase him for a debt that wasn’t his - and wrongly recorded adverse information with credit reference agencies. backgroundMr N lives abroad. In early December 2013 a family me... (2 pages)View decision -
Decision Reference DRN0975428
14 Aug 2015 MKDP LLP UpheldBanking and creditMr O complains that MKDP LLP is asking him to pay a debt that he thinks is statute barred. Further, he says the debt is also unenforceable.Mr O questions the authenticity of some of the key documents. He suggests that MKDP was wrong to rely on them.As a result of all... (3 pages)View decision -
Decision Reference DRN-3807628
18 Nov 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3807628 The complaint Ms L has made various complaints about the actions of National Westminster Bank Plc (NatWest) in relation to a loan and an overdraft account she has. What happened I previously issued my provisional decision on this case. I provided more information and detail to ... (4 pages)View decision -
Decision Reference DRN-2955971
4 Aug 2021 Cabot Credit Management Group Limited Not upheldMortgagesDRN-2955971 The complaint Mr A is unhappy with the actions of Cabot Credit Management Group Limited (“Cabot”) in pursuing him for a debt. What happened Mr A took out a loan in 2007. The loan was secured by a charge against his property in favour of the original lender. Mr A fell behind wit... (4 pages)View decision
