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 70502 results
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Decision Reference DRN1389583
25 Apr 2018 Cabot Credit Management Group Limited Not upheldBanking and creditMr G complains that Cabot Credit Management Group Limited hasn’t provided information or documentation about a debt it is pursuing. backgroundCabot bought a book of debts from a bank. It says this included one for Mr G. He has disputed this and has asked for further de... (2 pages)View decision -
Decision Reference DRN-2400784
4 Jan 2021 Lowell Financial Ltd Not upheldConsumer CreditDRN-2400784 The complaint Mr H complains about the treatment he has received from Lowell Financial Limited (“Lowell”) in respect of three credit card debts purchased by it, two in respect of two credit cards issued by a business that I will call C and one in respect of one credit card issu... (3 pages)View decision -
Decision Reference DRN5245176
31 Dec 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs G complain that they were mis-sold a re-mortgage by an appointed representative of Legal & General Partnership Services Limited (L&G).backgroundMr and Mrs G made a re-mortgage application with L&G. L&G recommended a repayment mortgage over a 16 ... (2 pages)View decision -
Decision Reference DRN5813397
21 Nov 2016 Link Financial Outsourcing Limited UpheldBanking and creditMr O complains that Link Financial Outsourcing Limited (Link) applied for a charging order in a court that wasn’t local to him.background Mr O had a credit card debt, which he wasn’t able to repay. The debt was sold to Link Financial Outsourcing, which then assigned ... (2 pages)View decision -
Decision Reference DRN1051311
13 Mar 2020 House & Home Care Limited UpheldBanking and creditComplaintMiss B and Mr P complain that House & Home Care Limited (HHC) misled them when they entered into a debt settlement agreement. They’re unhappy with the fees, and that the agreement hasn’t paid off all the debts in five years as it said it would.BackgroundIn May 2009 Miss B and ... (3 pages)View decision -
Decision Reference DRN-4259665
19 Dec 2023 PayPal (Europe) Sarl et Cie SCA UpheldBanking and PaymentsDRN-4259665 The complaint Mr O has complained that PayPal (Europe) Sarl et Cie SCA (“PayPal”) is not clearly stating how much outstanding debt exists on his account. Mr O says the amount keeps changing and is shown in Euros. What happened Mr O had contacted PayPal and a third-party debt co... (3 pages)View decision -
Decision Reference DRN2476450
24 Oct 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMs P through her representative B complains that an appointed representative of Legal & General Partnership Services Limited mis-sold her a mortgage in 2006. She wants compensation.backgroundMs P took advice about a new mortgage from A, an appointed representative ... (3 pages)View decision -
Decision Reference DRN8172715
2 Oct 2019 The Royal Bank of Scotland Plc UpheldBanking and creditMrs G complains that The Royal Bank of Scotland Plc (RBS) sold her credit card account to another business which she thinks it shouldn’t have done because of her ongoing mental health issues.backgroundThe background to this complaint, and my initial conclusions, were set out in my provisio... (5 pages)View decision -
Decision Reference DRN1697922
28 Nov 2018 Santander UK Plc Not upheldBanking and creditMiss D complains that Santander UK Plc lent her money she couldn’t pay back. Miss D has been supported in her complaint by her father, Mr D. background Mr D said that Santander had allowed Miss D to run up credit card debt of £6,000. He said that Santander had kept... (3 pages)View decision -
Decision Reference DRN8661451
12 Aug 2015 HSBC Bank plc UpheldPayment protection insurance (PPI)Mr W says that HSBC Bank Plc (HSBC) hasn’t treated him fairly about a loan and PPI that was sold him.backgroundMr W says that when he took out the loan he was told that any PPI claim would pay for the term of the loan. He says he was 60 years old at the time an... (2 pages)View decision
