Ombudsman decisions

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• Decision Reference DRN-5184439

  6 Dec 2024 Town & Country Legal Services LLP Not upheld

  Consumer Credit
  DRN-5184439 The complaint Mr B complains Town & Country Legal Services LLP (T&C) didn’t independently verify they were collecting a debt he owed – when actually the debt was fraudulently taken out in his name. What happened A loan was taken out using some of Mr B’s details for ... (3 pages)
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• Decision Reference DRN1377339

  29 Nov 2019 PRA Group (UK) Limited Not upheld

  Banking and credit
  Mrs A complains about the service that she’s received from PRA Group (UK) Limited in connection with her credit card debt. backgroundMrs A had a credit card debt with a credit card provider of £3,598.74 that was assigned to a third party in August 2012 and then to PRA Group in January 2015... (3 pages)
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• Decision Reference DRN3905100

  27 Sep 2013 Clydesdale Bank Plc Upheld

  Banking and credit
  Mr and Mrs M complain that Clydesdale Bank PLC has unfairly registered a default against their credit files that resulted from errors it had made with their current account.backgroundMr and Mrs M had a mortgage with Clydesdale that included a current account. This account provided a ... (3 pages)
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• Decision Reference DRN7132432

  9 Oct 2015 HSBC Bank plc Not upheld

  Banking and credit
  Miss 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)
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• Decision Reference DRN2649229

  21 Dec 2017 Commercial Associates Limited Not upheld

  Banking and credit
  Ms D is unhappy Commercial Associates Limited (CAL) pursued her for a debt in respect of a vehicle she hired from it. She also says she was pressurised to hire the vehicle. backgroundMs D needs a specialised vehicle for her business which she hired from CAL, agree... (3 pages)
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• Decision Reference DRN6495127

  28 Jan 2015 Nationwide Building Society Not upheld

  Insurance (excluding PPI)
  Mr C complains about a debt on his mortgage account as a result of payments being taken by Nationwide Building Society to cover the monthly premiums for his contents insurance policy.background Mr C had a mortgage account with Nationwide as well as a home insurance policy. The monthly p... (3 pages)
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• Decision Reference DRN5593041

  17 Oct 2014 Aktiv Kapital (UK) Limited Not upheld

  Banking and credit
  Mr C complains that Aktiv Kapital (UK) Limited recently started pursuing him for a debt which he believes he has paid in full.backgroundMr C recently received contact from agents working on behalf of Aktiv Kapital about the debt which he says he paid off in 2005. He has also said that... (2 pages)
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• Decision Reference DRN8285924

  26 Aug 2015 HSBC Bank plc Not upheld

  Payment protection insurance (PPI)
  Mr S complained that HSBC Bank Plc (HSBC) mis-sold him PPI policies taken out with three loans. Mr S is unhappy with the compensation offered to settle his complaint. backgroundMr S took out three PPI policies associated with three loans (references ending 3331, 7200 and ... (3 pages)
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• Decision Reference DRN3645657

  5 Oct 2018 Capital One (Europe) plc Not upheld

  Payment protection insurance (PPI)
  ComplaintMr T is complaining that Capital One (Europe) plc (“Capital One”) mis-sold him a payment protection insurance (“PPI”) policy attached to his credit card. It has used the compensation due to him to reduce his outstanding debt with it.backgroundMr T took the poli... (3 pages)
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• Decision Reference DRN-2566872

  8 Feb 2021 MBNA Limited Upheld

  Banking and Payments
  DRN-2566872 The complaint Mrs T complains that MBNA Limited has defaulted her credit card debt, although she says that she’d agreed a payment plan with MBNA. Mr T brings this complaint on her behalf. What happened Mr T said that Mrs T had reached an agreement with MBNA to pay off her cred... (3 pages)
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