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 DRN3459367
27 Mar 2014 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs G complain that Lloyds Bank plc (previously Lloyds TSB Bank plc) wrongly retained the residual sale proceeds of their property in reduction of Mrs G’s business debt. backgroundMr and Mrs G signed a mortgage deed over a property that they owned, which gave Lloyds a second... (2 pages)View decision -
Decision Reference DRN-2333185
9 Dec 2020 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2333185 The complaint Miss N complains that Cabot Credit Management Group Limited is chasing her for a debt which she disputes its entitled to collect from her. She wants it to cease collection activity and provide her with the information she’s requested. What happened Miss N tells u... (4 pages)View decision -
Decision Reference DRN0992555
3 Oct 2013 HFO Services Limited Not upheldBanking and creditMs H complains that she has been harassed by HFO Services Limited (HFO) in pursuit of an outstanding debt and that the amount claimed by HFO is incorrect.backgroundMs H’s debt of £2,031.97 was assigned to HFO in February 2008. HFO and Ms H exchanged correspondence and had a number of tele... (2 pages)View decision -
Decision Reference DRN-2789689
26 Jul 2021 Secure Trust Bank Plc Not upheldConsumer CreditDRN-2789689 The complaint Mr B complains about the actions of Secure Trust Bank plc, trading as Moneyway, in response to his voluntary termination of a hire purchase agreement under which a car had been supplied to him. What happened A used car was supplied to Mr B under a hire purchase ag... (3 pages)View decision -
Decision Reference DRN3693511
24 Jul 2015 Capquest Debt Recovery Limited Not upheldBanking and creditMs M complains Capquest Debt Recovery Limited is chasing her for a debt that isn’t hers. She also says that it’s harassing her by pursuing the debt.backgroundIn October 2010 and December 2012, two accounts were set up with a catalogue company in Ms M’s name. Ms M says... (2 pages)View decision -
Decision Reference DRN5370845
30 Aug 2017 MEM Consumer Finance Limited Not upheldBanking and creditMr P complains that MEM Consumer Finance Limited (trading as Payday UK) is pursuing him for repayment of a payday loan.backgroundMr P had a loan from Payday UK in 2012. Mr P didn’t make any repayments, so the account defaulted and the debt was later sold on. The de... (2 pages)View decision -
Decision Reference DRN1773386
2 Jun 2017 National Westminster Bank Plc Not upheldBanking and creditMr J has complained that he wasn’t kept up to date by National Westminster Bank Plc (“NatWest”) about a debt he had with them.backgroundMr J took out a credit card with NatWest in 2006. Unfortunately he fell into financial difficulty in 2012 and wasn’t able to keep u... (2 pages)View decision -
Decision Reference DRN5204966
19 Nov 2015 HSBC Bank plc Not upheldBanking and creditMrs P complains that HSBC Bank plc is pursuing her for money due on a joint account she had with her late husband. She says she was not aware of the debt.backgroundMrs P’s joint account that she held with her husband had an overdraft facility. She says that she did ... (2 pages)View decision -
Decision Reference DRN9805505
29 Jul 2015 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mrs K has complained about the way The Royal Bank of Scotland Plc (“RBS”) has used the compensation it agreed to pay her following a complaint about the sale of a payment protection insurance (“PPI”) policy.backgroundMrs K took out a loan with RBS and took out a PPI po... (2 pages)View decision -
Decision Reference DRN5090048
19 Sep 2013 Barclays Bank Plc Not upheldBanking and creditMrs N complains that she was contacted by Barclays Bank PLC’s debt collector in relation to a debt owed by her ex-husband. She is unhappy with the compensation offered by the bank and would like the bank to repay the amount she paid to clear her husband’s debt.backgroundMrs N held a j... (2 pages)View decision
