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 DRN7278172
14 Oct 2015 Bank of Scotland Plc UpheldBanking and creditMr M complains about the Bank of Scotland Plc trading as Halifax. He says that Halifax have incorrectly continued to record a default notice on his credit file.backgroundMr M held a current account with Halifax. In 2010, Halifax recorded a default notice on his cre... (2 pages)View decision -
Decision Reference DRN-3234510
4 Jan 2022 Sainsbury's Bank Plc UpheldConsumer CreditDRN-3234510 The complaint Mr M complains that Sainsbury's Bank Plc (Sainsbury’s) should have defaulted his personal loan earlier than they did. What happened In July 2018, Mr M took out a personal loan of £15,000 with Sainsbury’s. Monthly repayments were £302.15 over 60 months. The AP... (3 pages)View decision -
Decision Reference DRN4072970
30 Sep 2016 Vincent Bond & Co. Limited UpheldBanking and creditMrs B complains that Vincent Bond and Co. Limited was wrong to provide her with a debt management plan when she could have accessed the same service for free elsewhere.Mrs B brings her complaint with the help of a claims management company (CMC). For ease of reading ... (3 pages)View decision -
Decision Reference DRN-4281561
3 Aug 2023 Pareto Financial Planning Limited Not upheldPensions and AnnuitiesDRN-4281561 The complaint Mr E complains that he was given unsuitable advice by Pensionhelp Limited to transfer deferred benefits from his Defined Benefit (DB) pension with British Steel (BSPS) to a personal pension. At the time of the advice Pensionhelp was an appointed representative of ... (6 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 DRN9214599
14 Dec 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMs L has a number of concerns about the way that The Royal Bank of Scotland Plc (RBS) treated her, including closing her current account. Ms L wants RBS to pay her compensation. backgroundMs L opened a student account with RBS in 1998. She went on to upgrade this a... (3 pages)View decision -
Decision Reference DRN5090048
19 Sep 2013 Barclays Bank Plc Not upheldBanking and creditMrs N complains that she was contacted by Barclays Bank PLC’s debt collector in relation to a debt owed by her ex-husband. She is unhappy with the compensation offered by the bank and would like the bank to repay the amount she paid to clear her husband’s debt.backgroundMrs N held a j... (2 pages)View decision -
Decision Reference DRN-4222296
14 Aug 2023 Freemans Plc Not upheldConsumer CreditDRN-4222296 The complaint Mrs Y has complained Freemans plc, trading as Curvissa, is asking her to repay a debt she says isn’t hers. What happened Mrs Y’s husband was ill for some time, and she was his carer. During this period she set up a direct debit to pay for a debt with a third-party... (2 pages)View decision -
Decision Reference DRN9674814
6 Jan 2016 Hiscox Underwriting Limited Not upheldInsurance (excluding PPI)Mr and Mrs D complain Hiscox Underwriting Limited unfairly cancelled their household insurance and refused to pay their claim.backgroundMr and Mrs D took out household insurance with Hiscox in 2007. This renewed a number of times. In 2012 they made a claim for fire dam... (3 pages)View decision -
Decision Reference DRN-3825636
5 Dec 2022 Openwork Limited Not upheldMortgagesDRN-3825636 The complaint Mrs and Mr P have complained about the advice they were given by an appointed representative of Openwork Limited when they wanted to consolidate some unsecured debts. Openwork said a further advance with their existing lender wasn’t possible and referred them to a... (4 pages)View decision
