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 DRN-2021049
28 Jul 2020 Landmark Mortgages Limited Not upheldMortgagesDRN-2021049 The complaintThis complaint is about a mortgage and unsecured loan Miss P took out in 2006. It was originally taken out with Northern Rock (later NRAM) on the advice and recommendation of a broker firm I’ll call “M”. The mortgage and loan are currently held by Landmark Mortgag... (3 pages)View decision -
Decision Reference DRN9356265
31 Mar 2015 Bank of Scotland Plc Not upheldBanking and creditMiss W complains that Bank of Scotland plc (trading as Halifax) is refusing to provide the deed of novation and true certified copies (not photocopies) of the deed of assignment for named accounts after it sold her debts to third party debt collection agencies.back... (1 page)View decision -
Decision Reference DRN4257330
28 Jun 2013 Black Horse Limited Not upheldBanking and creditMs D complains that Black Horse Limited sold her debt from a credit agreement on to a third party, when she was maintaining an agreed repayment plan.backgroundMs D took out a credit agreement with Black Horse (then Lloyds Bowmaker) in 1998. The money was to pay for replacement windows... (2 pages)View decision -
Decision Reference DRN-4561389
16 Jan 2024 Lowell Portfolio I Ltd UpheldBanking and PaymentsDRN-4561389 The complaint Miss W complains that Lowell Portfolio I Ltd harassed her in relation to an unenforceable debt. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: Lowell says Miss W had a credit card with a b... (4 pages)View decision -
Decision Reference DRN-2432109
28 Dec 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2432109 The complaint Mr R complains that National Westminster Bank Plc, trading as NatWest, closed his bank accounts and added a default to his credit file. And he’d like this removed. What happened Mr R had a current account, some savings accounts and a Credit card with NatWest. Betw... (3 pages)View decision -
Decision Reference DRN0383169
4 Sep 2014 MBNA Limited Not upheldBanking and creditMr F complains, after he orally agreed with MBNA Limited to make a lump sum payment in settlement of his credit card debt, MBNA failed to confirm that agreement to his satisfaction in writing. And whilst he was trying to get written confirmation it sold his debt. Mr F also complains M... (3 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 DRN9858418
28 Jun 2017 Prestige Finance Limited UpheldBanking and creditMr S complains that Prestige Finance Limited have caused incorrect entries to be registered on his credit file and have refused to remove them. He wants us to order Prestige Finance Limited to remove them.backgroundMr S tells us that in 2011 he was declared bankrupt. ... (3 pages)View decision -
Decision Reference DRN9774297
9 Jul 2019 Shop Direct Finance Company Limited UpheldBanking and creditMrs S complains that Shop Direct Finance Company Limited registered a debt management plan on her credit file when they should’ve registered a default. She says that, because of this, her credit will be affected far longer than if a default had been registered.Mrs S wants Shop Direct Finan... (3 pages)View decision -
Decision Reference DRN9376459
29 Oct 2013 Clydesdale Bank Plc Not upheldBanking and creditMr and Mrs B complain on behalf of their limited company, C, and also as individuals who provided their personal guarantees and home as security for borrowing by C. They complain that Clydesdale Bank Plc (trading as Yorkshire Bank) has created a situation in which their personal lia... (3 pages)View decision
