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 70661 results
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Decision Reference DRN5627773
14 Feb 2014 Welcome Financial Services Limited UpheldBanking and creditMr G complains that Welcome Financial Services Limited is pursuing him for a debt that he considers to be statute barred.backgroundMr G bought a car in 2004, financed by a hire purchase agreement with Welcome Financial Services. Mr G says the car needed many different repairs which Welco... (3 pages)View decision -
Decision Reference DRN2830779
13 Aug 2015 MBNA Limited Not upheldBanking and creditMr H complains that after receiving his payment protection insurance (“PPI”) refund, he then received threatening letters and suffered belligerent and unresponsive behaviour from debt collection agencies collecting the outstanding debt on a credit card issued by MBNA Limi... (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 DRN4958564
24 Mar 2017 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr L complains that Harrington Brooks (Accountants) Limited sold him a Debt Management Plan (DMP) when they should have sold him an Individual Voluntary Arrangement (IVA). He also says that they should have advised him that similar plans were available free of charge ... (2 pages)View decision -
Decision Reference DRN-2642794
28 Jul 2021 TFS Loans Limited Not upheldConsumer CreditDRN-2642794 The complaint Miss B complains about a loan provided to her by TFS Loans Limited which she says was unaffordable. What happened TFS Loans provided Miss B with a loan as follows: Date taken Amount Term Monthly repayment APR Amount Payable 07/09/2015 £7,500.00 60 £279.25 44.9% £1... (4 pages)View decision -
Decision Reference DRN7634642
12 Sep 2013 MBNA Limited UpheldBanking and creditMr R is represented by his father. Mr R complains that MBNA Limited have not produced evidence of the amount of money he owes, and after being advised that he was suffering from financial difficulties and mental health issues, continued to write to him rather than his representative, and ... (3 pages)View decision -
Decision Reference DRN8569252
4 Dec 2015 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Miss F has complained about the way The Royal Bank of Scotland Plc (“RBS”) has used the compensation it agreed to pay her after she complained about the mis-sale of payment protection insurance (“PPI”).backgroundMiss F took out four loans with RBS and also took out PPI ... (2 pages)View decision -
Decision Reference DRN5297596
31 Jul 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr S complains that Legal & General Partnership Services Limited (L&GPS) gave him unsuitable mortgage advice. In particular he says he was not advised to consider remaining with his existing lender and the advice to consolidate unsecured debts onto his mortgage w... (4 pages)View decision -
Decision Reference DRN7693036
11 Jul 2018 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr H has complained about the way The Royal Bank of Scotland Plc (RBS) compensated him for charging him unfair commission on a payment protection insurance (PPI) policy.backgroundIn 1998, Mr H took out a credit card with RBS. The credit card had a PPI policy.Mr H later... (3 pages)View decision -
Decision Reference DRN4824845
30 Mar 2015 1st Credit Limited UpheldBanking and creditMr C has complained that 1st Credit Limited continued to ask him for payment of a debt when he believes this was not enforceable.backgroundIn June 2014 1st Credit contacted Mr C asking him to repay £14,818.08. This was a debt they’d bought from the original credit card... (2 pages)View decision
