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 69711 results
-
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 DRN4524973
26 Nov 2015 Bank of Scotland Plc Not upheldBanking and creditMrs P complains that Bank of Scotland plc (trading as Halifax) is wrongly holding her liable for a credit card debt.backgroundHalifax pursued Mrs P – directly, and also through collection agents – in relation to a credit card debt. Mrs P says that, in spite of several... (3 pages)View decision -
Decision Reference DRN5072176
22 Jan 2015 Cabot Financial (Europe) Limited Not upheldBanking and creditMr D complains about a debt which Cabot Financial (Europe) Limited is asking him to repay. backgroundIn summary, Mr D says that he does not acknowledge the debt, and that Cabot has not provided sufficient evidence to show that it is his debt or that it is entitled to seek repayment fro... (3 pages)View decision -
Decision Reference DRN6606005
7 Apr 2015 Lloyds Bank PLC Not upheldBanking and creditMr N complains that his debt with Lloyds Bank plc should be written off as the company to which he owes money is Lloyds TSB and it no longer exists.backgroundMr N has both a current account and a credit card with Lloyds TSB. He says he was not told when the bank ... (1 page)View decision -
Decision Reference DRN2373784
7 Nov 2014 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs W complain that Lloyds Bank PLC mis-sold a business loan to them. They ask that the loan is written off.backgroundIn 2005 Mr and Mrs W were in financial difficulties. They asked Lloyds for a business loan to repay personal and business debts and provide working capital for... (2 pages)View decision -
Decision Reference DRN0185601
30 Sep 2019 Legal & General Partnership Services Limited UpheldBanking and creditMr R complains through a claims management company (“CMC”) that the appointedrepresentative of Legal and General Partnership Services Limited mis-sold him a mortgagewhen it advised consolidating a debt. Mr R wants to be compensated for his resulting losswith interest.backgroundIn 2005, Mr ... (4 pages)View decision -
Decision Reference DRN9909288
4 Jun 2014 Microcredit Limited UpheldBanking and creditMiss A complains about the way that Microcredit Limited (trading as MiniCredit.co.uk) has dealt with her financial difficulties.backgroundMiss A took out a loan from MiniCredit in November 2012 for £100 which was repayable the following month. She deferred payment of it twice. She conta... (2 pages)View decision -
Decision Reference DRN1170710
16 Aug 2017 AKINIKA DEBT RECOVERY LIMITED Not upheldBanking and creditMr B complains that he is being pursued by Akinika Debt Recovery Limited in respect of a debt which isn’t his.backgroundMr B is unhappy about correspondence which he has received from Akinika. He says that the debt isn’t his and he wants Akinika to stop contacting ... (2 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 DRN7972470
2 Dec 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMs W complains that Legal & General Partnership Services Limited (“LGPS”) mis-sold her amortgage.backgroundMs W met with the LGPS representative in April 2005 to discuss her mortgagearrangements. Ms W wanted to re-mortgage to raise some further funds and to conso... (5 pages)View decision
