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 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 DRN8269572
22 Mar 2016 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Miss A says Lloyds Bank PLC (‘Lloyds’) mis-sold her a payment protection insurance (‘PPI’) policy. She says that this caused her to default on her credit card which has affected her credit file. She’s also complained about the amount of money Lloyds has offered her in com... (8 pages)View decision -
Decision Reference DRN9206826
15 Sep 2015 Capital One (Europe) plc Not upheldBanking and creditMr J says Capital One (Europe) plc sold a debt he owes them to a collections company. Mr J says Capital One didn’t act correctly or fairly when it sold his debt. And he wants Capital One to recall his debt and write it off.backgroundMr J took out a credit car... (3 pages)View decision -
Decision Reference DRN6743457
11 Oct 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMr J complains that Cabot Credit Management Group Limited is pursuing him for a debt he believes is unenforceable.backgroundIn 2017 Cabot told Mr J it had taken ownership of a debt he owed to another lender under a hire purchase agreement. Mr J began to make regular payments to Cabot throu... (2 pages)View decision -
Decision Reference DRN2394877
11 Jul 2016 National Westminster Bank Plc UpheldBanking and creditMr and Mrs T complain about the way National Westminster Bank Plc (“NatWest”) has dealt with them in connection with debt arising from an unpaid current account overdraft and a defaulted loan account. background This matter goes back a number of years and NatWest has... (3 pages)View decision -
Decision Reference DRN3999235
30 Sep 2014 Link Financial Outsourcing Limited Not upheldBanking and creditMr R complains that Link Financial Outsourcing Limited is pursuing him for debt that he does not owe to it.our initial conclusions Our adjudicator did not recommend that the complaint should be upheld. She was satisfied that Link was entitled to purchase the debt and it did not need Mr R’... (2 pages)View decision -
Decision Reference DRN5442596
24 Mar 2015 Blue Finance Management Limited UpheldBanking and creditMiss G complains that Blue Finance Management Limited (trading as DEBTPLAN Direct) (the business) set up a debt management plan (DMP) for her that was not in her best interest and did not tell her about the upfront charges. backgroundMiss G says that the business ca... (2 pages)View decision -
Decision Reference DRN8357812
20 Nov 2015 Idem Capital Securities Limited Not upheldBanking and creditMrs W complains about Idem Capital Securities Limited (“Idem”) which has taken over a debt she owed. She says she wasn’t told about this until recently and has found out she now has a county court judgment (“CCJ”) against her.backgroundIn 2006, Mrs W took out a loan whi... (2 pages)View decision -
Decision Reference DRN7136469
18 May 2016 Drydens Limited Not upheldBanking and creditMr R complains that Drydens Limited, trading as Drydens Fairfax Solicitors, (“DL”) is unfairlypursuing him for a debt. He says that the debt is statute barred because the mortgage lenderhadn’t contacted him within 12 years.backgroundMr R was the owner of a property ... (4 pages)View decision -
Decision Reference DRN4072970
30 Sep 2016 Vincent Bond & Co. Limited UpheldBanking and creditMrs B complains that Vincent Bond and Co. Limited was wrong to provide her with a debt management plan when she could have accessed the same service for free elsewhere.Mrs B brings her complaint with the help of a claims management company (CMC). For ease of reading ... (3 pages)View decision
