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 DRN4637846
3 Feb 2015 Compello Operations Limited Not upheldBanking and creditMr A complains that Compello Operations Limited (the business) has not provided him with the evidence he asked for about the debt it says he owes. He says that the business keeps changing the entity used to contact him.backgroundMr A contacted the business to ask for proof that the de... (2 pages)View decision -
Decision Reference DRN5511120
28 Mar 2017 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr E and his representative are unhappy about the advice he was given by Harrington Brooks (Accountants) Limited (trading as Harrington Brooks Debt Management) to enter into a debt management plan. They say it was mis-sold to him and wasn’t the appropriate solution for ... (2 pages)View decision -
Decision Reference DRN1565521
21 Jan 2016 Lowell Financial Ltd Not upheldBanking and creditMr B complains that Lowell Financial Ltd did not provide him with proof that he owed it money. He also complains it has recorded a default on his credit file.backgroundMr B says that he was recently contacted about a debt he was not aware of. He says that he was... (2 pages)View decision -
Decision Reference DRN1134117
19 Apr 2013 Debt Managers Limited Not upheldBanking and creditMr Q complains that Debt Managers has not given him proof either that it had authority from Lloyds TSB Bank to collect payments for a debt he owed the bank, or that it had passed these on to the bank. In addition, it did not provide him with a copy agreement and statement of ac... (2 pages)View decision -
Decision Reference DRN5035634
12 Feb 2019 The Royal Bank of Scotland Plc Not upheldBanking and creditMr M complains that The Royal Bank of Scotland plc (RBS) put a charge on his property. He doesn’t believe it should have done so as he was in the process of setting up a trust deed at the time. Mr M would like the charge taken off his property.backgroundMr M says i... (3 pages)View decision -
Decision Reference DRN9414391
11 Jan 2016 The Royal Bank of Scotland Plc Not upheldBanking and creditMr D complains that The Royal Bank of Scotland Plc (“RBS”) has instructed a debt collection agency to pursue him for a debt which he says is time-barred under the Limitation Act.backgroundIn 2008 Mr D owed RBS a three-figure sum. In that year he entered an Individu... (1 page)View decision -
Decision Reference DRN-4152313
28 Jun 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4152313 The complaint Mr T complains that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) irresponsibly issued a credit card to him, and increased the credit limit, which he couldn’t afford the repayments on. I appreciate that he made a joint complaint with his wife, but as th... (4 pages)View decision -
Decision Reference DRN5072176
22 Jan 2015 Cabot Financial (Europe) Limited Not upheldBanking and creditMr D complains about a debt which Cabot Financial (Europe) Limited is asking him to repay. backgroundIn summary, Mr D says that he does not acknowledge the debt, and that Cabot has not provided sufficient evidence to show that it is his debt or that it is entitled to seek repayment fro... (3 pages)View decision -
Decision Reference DRN-2431196
5 Feb 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2431196 The complaint Mr F is unhappy with how Barclays Bank UK Plc (trading as “Barclaycard”) has treated him after a change in his circumstances has left him unable to repay the money he owes. What happened The circumstances of this complaint are well known to both sides so I won’t g... (3 pages)View decision -
Decision Reference DRN1600569
16 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMrs J complains that she was given poor advice by an authorised representative of Legal & General Partnership Services Limited (L&G) when she re-mortgaged her house in 2005. Mrs J, who is represented by a claims management company (CMC), says this advice means s... (3 pages)View decision
