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
-
Decision Reference DRN-2779890
27 May 2021 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-2779890 The complaint Mr F complains Link Financial Outsourcing Limited haven’t provided enough information to prove he’s responsible for a debt on a credit card they’re asking him to repay. What happened Mr F said he received a letter from Link in November 2019 saying he had an outsta... (2 pages)View decision -
Decision Reference DRN5732823
27 Jan 2015 MKDP LLP Not upheldBanking and creditMs F complains that MKDP LLP is chasing her for a debt she disputes. She wants the debt written off, legal proceedings discontinued and no adverse information put on her credit file. She also wants compensation.backgroundMs F bought tickets for a holiday in 2009 with her bank visa debit ... (2 pages)View decision -
Decision Reference DRN0513844
17 May 2013 The Royal Bank of Scotland Plc UpheldBanking and creditMrs H complains that The Royal Bank of Scotland plc misinformed her before she agreed to be a guarantor for a loan, failed to deal properly with an application to replace her as guarantor and mishandled arrangements to recover the debt from her. background Mrs H agreed to be guarantor fo... (2 pages)View decision -
Decision Reference DRN-3124821
1 Dec 2021 Nationwide Building Society Not upheldBanking and PaymentsDRN-3124821 The complaint Ms P complains about Nationwide Building Society (“Nationwide”) for its decision to issue her with a credit card with a high credit limit. She feels that this lending was irresponsible and caused her to get into more debt. She wants all charges and interest to be ... (3 pages)View decision -
Decision Reference DRN-4954680
24 Oct 2024 Evolution Money Limited Not upheldMortgagesDRN-4954680 The complaint Mr and Mrs W complain that Evolution Money Limited gave them unsuitable advice to take out a second charge mortgage (secured loan). What happened In March 2022, Mr and Mrs W took advice from Evolution about taking out a secured loan to consolidate existing unse... (3 pages)View decision -
Decision Reference DRN1571806
13 Jul 2016 Bank of Scotland Plc UpheldBanking and creditMr H complains that Bank of Scotland plc increased the amount outstanding on his loan without explanation. And then passed the debt to a debt collection company.backgroundMr H asked Bank of Scotland to explain how it had calculated the increased balance on his loan. M... (2 pages)View decision -
Decision Reference DRN9892382
16 Mar 2016 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr and Mrs M are unhappy with the way The Royal Bank of Scotland Plc (“RBS”) has used the compensation it agreed to pay them after they complained they’d been mis-sold payment protection insurance (“PPI”).backgroundI issued my provisional decision on this complaint in Fe... (4 pages)View decision -
Decision Reference DRN-3081908
28 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3081908 The complaint Mr E complains that Vanquis Bank Limited irresponsibly increased the credit limit on his credit card account to unaffordable levels. What happened Mr E says he opened the Vanquis account in 2018 and accepts the initial lending decision was appropriate and not unaf... (2 pages)View decision -
Decision Reference DRN-2642794
28 Jul 2021 TFS Loans Limited Not upheldConsumer CreditDRN-2642794 The complaint Miss B complains about a loan provided to her by TFS Loans Limited which she says was unaffordable. What happened TFS Loans provided Miss B with a loan as follows: Date taken Amount Term Monthly repayment APR Amount Payable 07/09/2015 £7,500.00 60 £279.25 44.9% £1... (4 pages)View decision -
Decision Reference DRN3306885
6 Mar 2018 Legal & General Partnership Services Limited Not upheldBanking and creditMs A and Mr F complain that a mortgage recommended by Legal & General Partnership Services Limited wasn’t suitable. Ms A and Mr F are represented by a solicitor, which I’ll refer to as the representative. They ask for compensation.backgroundIn December 2006 Legal &... (3 pages)View decision
