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 DRN5024199
22 Jun 2016 HSBC Bank plc UpheldBanking and creditMrs B complains that HSBC Bank Plc is pursuing her for a debt which it last contacted her about in 1999. She says HSBC is time-barred from pursuing the debt and that its actions have caused her distress and inconvenience. She would like the bank to write off the de... (2 pages)View decision -
Decision Reference DRN-2481581
6 Jan 2021 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-2481581 The complaint Mr T says Clydesdale Financial Services Limited, trading as Barclays Partner Finance (“BPF”), offered to clear his debt with them but are now pursuing him for that debt. He’d like them to write it off because he says his health has deteriorated and he has no way o... (3 pages)View decision -
Decision Reference DRN2674586
29 Oct 2013 CitiFinancial Europe Plc UpheldBanking and creditMr B complains that CitiFinancial Europe Plc incorrectly sold a debt in his name to a third party lender which has caused him significant distress and inconvenience. He wants the bank to pay appropriate compensation.backgroundIn 1998 Mr B’s credit card was stolen and fraudulent transact... (2 pages)View decision -
Decision Reference DRN8396729
19 Jan 2016 Arrow Global Limited UpheldBanking and creditMr T complains that Arrow Global Limited (“Arrow”) continued to demand payment of a debt even though it’s statute barred.backgroundArrow bought Mr T’s store card debt in 2011. Mr T says he hadn’t made any payments towards the debt since the end of 2005 when he fell ... (3 pages)View decision -
Decision Reference DRN6035950
29 Apr 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs F complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (L&G).backgroundMr and Mrs F met with an appointed representative of L&G in 2005 when the fixed rate period on their cur... (3 pages)View decision -
Decision Reference DRN6633320
27 Aug 2019 Lowell Portfolio I Ltd Not upheldBanking and creditMr I complains that Lowell Portfolio I Limited is seeking repayment from him for a debt that he owed to a third party.backgroundMr I had a credit card account with a third party. The account was in arrears and Mr I was contacted about the debt by debt collection agencies acting on behalf o... (2 pages)View decision -
Decision Reference DRN0312629
7 Dec 2017 The Co-operative Bank Plc Not upheldBanking and creditMr P complains that The Co-operative Bank plc reported incorrect information to a credit reference agency and breached data protection.He has also said that Co-op sold the debts on his credit cards and didn’t comply with the Lending Code. background Mr P has told us t... (4 pages)View decision -
Decision Reference DRN6221145
16 Oct 2015 National Westminster Bank Plc Not upheldBanking and creditMs D complains that, in spite of making substantial repayments, she has been unable to clear her credit card debts because of excessive interest charged by National Westminster Bank plc.backgroundMs D has two credit card accounts with NatWest. She says that she ran u... (3 pages)View decision -
Decision Reference DRN5309291
5 Nov 2018 Robinson Way Limited Not upheldBanking and creditMr R complains about a County Court Judgement (CCJ) Robinson Way Limited has obtained in relation to an old credit card debt. Mr R says he’s previously agreed a settlement for the debt and that the balance is too high. backgroundMr R had a credit card debt with Barcl... (3 pages)View decision -
Decision Reference DRN-1562406
19 Jun 2020 Bank of Scotland Plc UpheldMortgagesThe complaint Miss J has complained that Bank of Scotland plc (‘BOS’) has, on several occasions, provided her with an incorrect balance in relation to a debt. What happened In 2010 a court separated a debt owed to BOS by Miss J and her former partner, and each was required to separately pa... (3 pages)View decision