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 71523 results
-
Decision Reference DRN1451502
9 Nov 2015 Bank of Scotland Plc Not upheldBanking and creditMr H is unhappy that Bank of Scotland plc (trading as Halifax) won’t pay him directly a refund it’s offered to make of charges, interest and fees applied to his credit card and current accounts. backgroundSome years ago Mr H ran into some money problems and wasn’t ... (2 pages)View decision -
Decision Reference DRN7473047
4 Jun 2015 Motormile Finance UK Limited Not upheldBanking and creditMr D complains that Motormile Finance UK Limited, trading as MMF (“MMF”), is pursuinghim for debts that he is unaware of, and that it has added defaults to his credit file withoutnotifying him.background Mr D said that MMF had wrongly applied defaults to his credit ... (4 pages)View decision -
Decision Reference DRN8683814
31 Mar 2020 Vanquis Bank Limited Not upheldBanking and creditMiss D complains that Vanquis Bank Limited (“Vanquis”) registered a default against her and passed her debt on to a debt recovery agent. She believes that she provided Vanquis with her updated address and that Vanquis did not contact her at that address before registering the default. She ... (3 pages)View decision -
Decision Reference DRN-5002151
18 Sep 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5002151 The complaint Mr O complains that Barclays Bank UK PLC allowed him to take out cash advances whilst he was in persistent debt. What happened Mr O is unhappy that Barclays allowed him to take out cash advances and use his credit card for purchases whilst he was in persistent ... (2 pages)View decision -
Decision Reference DRN-3687453
6 Sep 2022 PRA Group (UK) Limited Not upheldBanking and PaymentsDRN-3687453 The complaint Mr N complains PRA Group (UK) Limited are asking him to repay a debt he says they shouldn’t be. He also complains they’ve recorded a default against his credit file for this alleged debt. . A representative has supported Mr N in bringing this complaint, but for si... (4 pages)View decision -
Decision Reference DRN7038276
25 May 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMr H’s complaint is that he was badly advised by Legal & General Partnership Services Limited (L&G). He says that he was mis-sold a mortgage in 2008 as the advice to consolidate debts into an interest-only mortgage was unsuitable. No repayment vehicle was recomme... (3 pages)View decision -
Decision Reference DRN-2196495
13 Nov 2020 Link Financial Outsourcing Limited Not upheldBanking and PaymentsDRN-2196495 The complaint Mr W feels that Link Financial Outsourcing Limited has treated him unfairly with regard to the administration of a debt. What happened Mr W says Link sent him an email which he believes meant that Link were offering to write off his debt with it. So he emailed bac... (2 pages)View decision -
Decision Reference DRN1465389
12 Dec 2013 Lloyds Bank PLC Not upheldBanking and creditMr Y complains that interest and charges should not have been applied to his account by Lloyds Bank PLC (formerly Lloyds TSB Bank Plc). He also says that a default should be removed as promised by the bank.backgroundIn 2003 a freezing order was applied to Mr Y’s account with Lloyds. Ther... (2 pages)View decision -
Decision Reference DRN1720296
20 Dec 2013 Microcredit Limited UpheldBanking and creditMiss V complains that Microcredit Limited would not engage with her or her debt advisors after she began experiencing financial difficulty and could not afford to repay her loan. backgroundMiss V had taken out several loans with Microcredit between December 2011 and February 2012. All... (3 pages)View decision -
Decision Reference DRN-4308138
30 Aug 2023 Premier Mortgages (North West) Limited UpheldMortgagesDRN-4308138 The complaint The estate of the late Mr S complains about a second charge mortgage (secured loan) Mr S took out on the recommendation of Premier Mortgages (North West) Limited trading as Mortgageable. The estate complains that the loan was mis-sold to Mr S and wasn’t suitable f... (7 pages)View decision
