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 DRN-2649890
6 May 2021 Zopa Bank Limited UpheldConsumer CreditDRN-2649890 The complaint Ms M complains that Zopa Bank Limited (Zopa) lent to her irresponsibly. What happened Ms M applied online for two loans from Zopa. In April 2016 Zopa gave Ms M a loan of £3,000 over 24 months. In February 2017, Zopa gave her a loan of £6,250 over 36 months as belo... (3 pages)View decision -
Decision Reference DRN8557439
13 Jul 2018 HSBC Bank plc Not upheldPayment protection insurance (PPI)Mr A is complaining that HSBC Bank Plc (“HSBC”) has used the compensation it offered for the mis-selling of a payment protection insurance (“PPI”) policy attached to his credit card, to reduce his outstanding debt.backgroundIn 2018, HSBC offered Mr A compensation of £6... (2 pages)View decision -
Decision Reference DRN6297570
22 Jul 2016 Valour Financial Management Limited Not upheldBanking and creditMiss T complains that she is unhappy about a debt management plan (“DMP”) she entered into with Valour Financial Management Limited, (“VFML”).The complaint is brought to this service on Miss T’s behalf by a claims management company. But for ease, I shall refer below to... (3 pages)View decision -
Decision Reference DRN3184698
8 Jul 2019 Link Financial Outsourcing Limited UpheldBanking and creditMr B says Link Financial Outsourcing Limited is chasing him for a debt that doesn’t exist. backgroundIn 2015, Mr B took a store card with another business as it entitled him to a discount on a purchase. He says he only used it for that purchase. He’s provided an account statement dated 21 ... (2 pages)View decision -
Decision Reference DRN9214599
14 Dec 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMs L has a number of concerns about the way that The Royal Bank of Scotland Plc (RBS) treated her, including closing her current account. Ms L wants RBS to pay her compensation. backgroundMs L opened a student account with RBS in 1998. She went on to upgrade this a... (3 pages)View decision -
Decision Reference DRN7592104
9 Jun 2016 Hillesden Securities Limited Not upheldBanking and creditMr T complains that Hillesden Securities Limited (trading as dlc) wrongly asked him to pay a debt he knows nothing about.backgroundMr T says that dlc contacted him about a debt and, even though he said he did not admit liability for the debt and that it was statut... (2 pages)View decision -
Decision Reference DRN0657876
2 Nov 2017 Santander UK Plc Not upheldBanking and creditMrs H complains that she is being pursued for a debt which was written off by Santander UK Plc.backgroundMrs H held a credit card account with Santander. A debt collection company called Robinson Way are pursuing her for payment. She says that the debt was written of... (2 pages)View decision -
Decision Reference DRN3976848
21 Feb 2018 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs R have complained that Bank of Scotland plc, trading as Halifax, applied a default to their credit file about an outstanding balance. They weren’t aware of this and would like the bank to remove the defaults. backgroundMr and Mrs R had disputed a £10,000... (2 pages)View decision -
Decision Reference DRN8637469
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 April 2014 1st Credit contacted Mr C asking him to repay £3,755.94. This was a debt they’d bought from the original loan provi... (2 pages)View decision -
Decision Reference DRN0968847
5 May 2016 Lowell Portfolio I Ltd Not upheldBanking and creditMr C complains that Lowell Portfolio I Ltd (the business) did not carry out sufficient due diligence before pursuing him for a debt that wasn’t his. backgroundMr C says that the business did not undertake due diligence on a debt it received from another entity. He say... (3 pages)View decision
