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 69710 results
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Decision Reference DRN3810225
15 Aug 2019 Paragon Finance Plc Not upheldBanking and creditMrs B complains that Paragon Finance PLC (Idem) is chasing her aggressively for a debt she disputes owing. And she further complains that unfair charges have been applied. She wants the debt written off or reduced and compensation.backgroundMrs B is represented in this complaint by F, a fi... (3 pages)View decision -
Decision Reference DRN6681926
1 Sep 2017 Citifinancial Europe Limited Not upheldBanking and creditMr H complains that CitiFinancial Europe Plc told him his credit card account had been written off when it had actually been sold to a debt purchaser.background Mr H had a credit card account with CitiFinancial. Mr H says he contacted CitiFinancial in early 2011 to pay ... (2 pages)View decision -
Decision Reference DRN8514877
20 Jun 2017 Lowell Financial Ltd Not upheldBanking and creditMr O complains that Lowell Financial Limited, (LFL”), is unfairly pursuing him for a debt he said was statute barred.backgroundMr O is unhappy that LFL has sent him debt collection correspondence for a debt that he says is statute barred. He said that LFL claimed that ... (2 pages)View decision -
Decision Reference DRN5276101
15 Aug 2017 Santander UK Plc UpheldInsurance (excluding PPI)Miss M complains, via her relative, that Santander UK Plc has unfairly pursued her for unpaid insurance premiums which it attached to her mortgage which finished in 2004. She said the amount owing should be waived by Santander in acknowledgement of its error.background... (2 pages)View decision -
Decision Reference DRN-2709985
2 Aug 2021 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-2709985 The complaint Mr R complains Link Financial Outsourcing Limited have misled him into making payments for a debt they knew was unenforceable. A representative is supporting Mr R in bringing this complaint. What happened Mr R held a credit card, and his representative has said a ... (4 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 DRN0594241
5 Jul 2013 Paratus AMC Limited Not upheldBanking and creditK820x summary of complaintMrs and Mr G complain that Paratus AMC Limited were irresponsible to lend to them as it did not consider the level of their outstanding debt. They said the mortgage is now unaffordable to them.background to complaintMrs and Mr G approached a broker for help ... (2 pages)View decision -
Decision Reference DRN5990383
25 Aug 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr G complains that The Royal Bank of Scotland Plc took money from his savings account to pay off his credit card debt.backgroundMr G fell into arrears with his credit card payments. The bank passed the debt to a debt collector and says a letter was sent to Mr G... (2 pages)View decision -
Decision Reference DRN9872271
27 May 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs W complain about errors and poor service from The Royal Bank of Scotland Plc (RBS) in relation to its handling of their accounts. background I will briefly summarise the background to this complaint. Mr W ran a business which unfortunately ran into financial difficulty in abou... (2 pages)View decision -
Decision Reference DRN0978836
11 Feb 2020 Hoist Finance UK Limited UpheldBanking and creditMr T complains that Hoist Finance UK Limited are asking him to repay a debt he doesn’t believe he owes. backgroundMr T held a current account with a bank (who I’ll refer to as “G”). He says he asked G to close this account in 1997 as he was moving abroad. Mr T says he also used to be an em... (3 pages)View decision
