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 77095 results
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Decision Reference DRN2099109
2 Jul 2015 Apex Credit Management Limited Not upheldBanking and creditMr S complains that Apex Credit Management Limited (“Apex”) did not carry out the due diligence it should have when it bought a credit card debt he owed to a card company (“Company C”). If it had, it would have found his debt was covered by a valid PPI policy he h... (2 pages)View decision -
Decision Reference DRN0868139
29 Nov 2013 Swinton Group Ltd UpheldInsurance (excluding PPI)Mr K complains that Swinton Group Limited continued to pursue him for an outstanding balance on his motor insurance policy, after it had said it would no longer expect its repayment.Mr K’s solicitor brings the complaint on his behalf.backgroundMr K contacted Swinton to say he had decided... (3 pages)View decision -
Decision Reference DRN-2955971
4 Aug 2021 Cabot Credit Management Group Limited Not upheldMortgagesDRN-2955971 The complaint Mr A is unhappy with the actions of Cabot Credit Management Group Limited (“Cabot”) in pursuing him for a debt. What happened Mr A took out a loan in 2007. The loan was secured by a charge against his property in favour of the original lender. Mr A fell behind wit... (4 pages)View decision -
Decision Reference DRN-3807628
18 Nov 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3807628 The complaint Ms L has made various complaints about the actions of National Westminster Bank Plc (NatWest) in relation to a loan and an overdraft account she has. What happened I previously issued my provisional decision on this case. I provided more information and detail to ... (4 pages)View decision -
Decision Reference DRN-2805020
25 May 2021 Debt Managers (Services) Limited Not upheldConsumer CreditDRN-2805020 The complaint Mrs K is unhappy with the way that that Debt Managers (Services) Limited (DMSL) has tried to collect a debt in her name. Mrs K wants DMSL to stop asking her to repay the debt or provide evidence that it is entitled to collect it from her. What happened DMSL bought... (3 pages)View decision -
Decision Reference DRN5139072
14 Apr 2015 Lloyds Bank PLC Not upheldBanking and creditMr N complains that Lloyds Bank PLC is harassing him to provide a charge over his home as additional security. He asks that it respects the terms of the contract.backgroundMr N gave a personal guarantee to Lloyds for the debts of a limited company. Lloyds called on the... (1 page)View decision -
Decision Reference DRN7132432
9 Oct 2015 HSBC Bank plc Not upheldBanking and creditMiss H complains that HSBC Bank Plc lent to her irresponsibly and failed to treat her sympathetically when she found herself in financial difficulties.backgroundMiss H took out a mortgage of £60,000 with HSBC in 2003 to buy a home. A year later, this mortgage was ... (2 pages)View decision -
Decision Reference DRN-3246071
25 Jan 2022 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-3246071 Complaint Mr R says that Clydesdale Bank Plc (“Clydesdale”) treated him unfairly when he ran into difficulty repaying an unarranged overdraft. He was unhappy that his account was defaulted. Background One of our investigators looked into Mr R’s concerns. She didn’t think that C... (2 pages)View decision -
Decision Reference DRN4269729
30 Jan 2015 J D Williams & Company Limited Not upheldBanking and creditMr N complains J D Williams & Company Limited trading as Marisota instructed a third party debt collector to chase him for a debt that wasn’t his - and wrongly recorded adverse information with credit reference agencies. backgroundMr N lives abroad. In early December 2013 a family me... (2 pages)View decision -
Decision Reference DRN9817466
18 Feb 2015 National Westminster Bank Plc Not upheldBanking and creditMr V complains that National Westminster Bank Plc is acting unfairly in pursuing him for a debt he owes in relation to a personal guarantee.background Mr V and his colleague who I shall call “Mr Z” were both co-directors of a company I shall call “Q”. Mr V and Mr Z signed a personal g... (3 pages)View decision