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 DRN8203146
4 Nov 2015 Mackenzie Hall Limited Not upheldBanking and creditMs M complains that Mackenzie Hall Limited (MHL) didn’t refund the £215.50 payment she made to them in respect of a payday loan account. backgroundMs M had an account with a payday lender between 2010 and 2014. The balance of this account was sold on to MHL, and then... (2 pages)View decision -
Decision Reference DRN9006321
11 Jul 2013 NCO Europe Limited Not upheldBanking and creditMr E complains about being asked to repay a debt by NCO Europe Limited. He believes he was harassed and is also unhappy that he did not receive anything to show that NCO Europe was authorised to collect the debt. Our service is dealing with several complaints by Mr E and I would stress t... (2 pages)View decision -
Decision Reference DRN1833223
9 Dec 2014 Debt Connect (U.K.) Limited UpheldBanking and creditMr and Mrs F complain about the actions of Debt Connect (U.K.) Limited (“DC”) after they paid a lump sum to it for the purposes of debt settlement. They say DC has failed to distribute this payment to their creditors, and many of their debts remain unpaid. backgroundThe background to t... (5 pages)View decision -
Decision Reference DRN5921507
21 Apr 2015 MKDP LLP Not upheldBanking and creditMr H complains that MKDP LLP is wrong to chase him for a debt that’s unenforceable and statute barred. And he says it should remove a default from his credit file. backgroundMr H says this debt is more than six years old and time barred under the Limitation Act 1980.... (2 pages)View decision -
Decision Reference DRN-2567142
10 Mar 2021 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-2567142 The complaint Mr M is unhappy as he feels Lowell Portfolio I Ltd (“Lowell”) has harassed him when contacting him about an outstanding debt. What happened Lowell purchased a debt from another business in 2016 which it understood Mr M was responsible for repaying. In November 201... (3 pages)View decision -
Decision Reference DRN3184698
8 Jul 2019 Link Financial Outsourcing Limited UpheldBanking and creditMr B says Link Financial Outsourcing Limited is chasing him for a debt that doesn’t exist. backgroundIn 2015, Mr B took a store card with another business as it entitled him to a discount on a purchase. He says he only used it for that purchase. He’s provided an account statement dated 21 ... (2 pages)View decision -
Decision Reference DRN8557439
13 Jul 2018 HSBC Bank plc Not upheldPayment protection insurance (PPI)Mr A is complaining that HSBC Bank Plc (“HSBC”) has used the compensation it offered for the mis-selling of a payment protection insurance (“PPI”) policy attached to his credit card, to reduce his outstanding debt.backgroundIn 2018, HSBC offered Mr A compensation of £6... (2 pages)View decision -
Decision Reference DRN3976848
21 Feb 2018 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs R have complained that Bank of Scotland plc, trading as Halifax, applied a default to their credit file about an outstanding balance. They weren’t aware of this and would like the bank to remove the defaults. backgroundMr and Mrs R had disputed a £10,000... (2 pages)View decision -
Decision Reference DRN6060950
23 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs L complain that Legal & General Partnership Services Limited gave them unsuitable advice about consolidating debts.backgroundMr and Mrs L asked for advice from Legal & General about re-mortgaging in 2010. Their fixed rate product had ended and they ... (2 pages)View decision -
Decision Reference DRN3036055
15 Mar 2016 Cabot Financial (Europe) Limited Not upheldBanking and creditMrs M complains that Cabot Financial (Europe) Limited is asking her to repay a debt which has been written off. It also started court proceedings when it knew she was disputing the debt. She is assisted in her complaint by her husband, Mr M. backgroundMrs M held ... (3 pages)View decision