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 DRN6154531
13 Oct 2015 Nationwide Building Society Not upheldBanking and creditMrs E complained because Nationwide Building Society refused her application for a personal loan.backgroundIn September 2014, Mrs E became aware of a large amount of credit card debt which her husband had built up in her name. She consulted a financial advisor, and ... (2 pages)View decision -
Decision Reference DRN-2661460
18 Mar 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2661460 The complaint Ms M is unhappy because Bank of Scotland plc trading as Halifax (“Halifax”) declined her request for a £50 overdraft. What happened Ms M asked Halifax for a £50 overdraft in August 2020, and Halifax declined her request. Ms M wasn’t happy and complained to Halifax... (2 pages)View decision -
Decision Reference DRN6991179
9 May 2016 Santander UK Plc Not upheldBanking and creditMrs H’s complaint is that Santander UK Plc has unfairly pursued her for payment of two credit card debts. She says that Santander hasn’t been able to provide the original credit agreements for either account.Mrs H also says that Santander has incorrectly sent letters ab... (4 pages)View decision -
Decision Reference DRN2870394
15 Nov 2017 Nationwide Building Society Not upheldBanking and creditMs R complains that Nationwide Building Society (“Nationwide”) is seeking to recover a debt from her which she says is statute barred and so irrecoverable. Ms R is assisted in bringing her complaint by her legal representatives.backgroundIn 1999 Ms R took a loan with ... (2 pages)View decision -
Decision Reference DRN4438572
7 Jan 2019 Arrow Global Limited UpheldBanking and creditMr M complains that Arrow Global Limited mishandled an alleged debt it bought from a third party.backgroundMr M had a business loan with a bank I will call H. This was disputed by him some years ago. Arrow bought the loan from H in May 2016 and it had been defau... (2 pages)View decision -
Decision Reference DRN6285206
1 Feb 2017 Paragon Finance Plc Not upheldBanking and creditMr O complains that Paragon Finance PLC (Paragon) is pursing him for an unenforceable debt. He wants it to return all monies paid.backgroundMr O’s credit card debt with a third party was sold onto Paragon. Mr O says that his debt is not enforceable because he hasn’... (2 pages)View decision -
Decision Reference DRN-3296396
22 Apr 2022 First Central Insurance Management Limited Not upheldInsuranceDRN-3296396 The complaint Mr Y is unhappy with how First Central Insurance Management Limited (First Central) handled things when he wanted to cancel his motor insurance policy. What happened Mr Y took out motor insurance through First Central. He then sold his car and says he called First... (3 pages)View decision -
Decision Reference DRN5628612
7 Nov 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr B and Miss C complain they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L & G”).backgroundMiss C had a variable rate mortgage. At L & G’s recommendation she remortgaged with another lender. In doing so she added ... (2 pages)View decision -
Decision Reference DRN-4162946
13 Nov 2023 Lowell Portfolio I Ltd Not upheldBanking and PaymentsDRN-4162946 The complaint Miss R complains that Lowell Portfolio I Ltd say she owes a debt relating to a credit card account. What happened Miss R had a credit card account with a company I’ll refer to as “V”. Lowell purchased the outstanding debt on the credit card account in September 20... (2 pages)View decision -
Decision Reference DRN-2628875
31 Mar 2021 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2628875 The complaint Mr U complains that Cabot Financial (Europe) Limited is reporting a default on his credit file for a debt that isn’t his. What happened In May 2017 a credit card debt in Mr U’s name was acquired by Cabot. Both the original lender and Cabot sent Notices of Assignme... (2 pages)View decision