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 70772 results
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Decision Reference DRN-3982685
18 Jul 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3982685 The complaint Mr P complains that Barclays Bank UK PLC (trading as Barclaycard) sold his credit card debt to a third-party firm without taking his personal circumstances into consideration. Mr P would like Barclaycard to write his debt off. What happened Mr P opened the credit ... (2 pages)View decision -
Decision Reference DRN8822758
6 Nov 2014 Cheltenham & Gloucester plc Not upheldBanking and creditComplaintMr and Mrs L complain that Cheltenham & Gloucester Plc mis-sold a mortgage to them. They ask to be put in the position they would have been in had they not taken out the mortgage. Mr and Mrs L are represented by Z.backgroundMr and Mrs L took out a mortgage with C&G in... (2 pages)View decision -
Decision Reference DRN-1723780
7 Oct 2020 Link Financial Outsourcing Limited Not upheldBanking and PaymentsDRN-1723780 The complaint Mr G is unhappy that Link Financial Outsourcing Limited (Link Financial) won’t accept the offer he made to settle a debt related to his current account. What happened Mr G’s debt with a bank was sold to Link Financial. Mr G made an offer to settle the debt. Howeve... (2 pages)View decision -
Decision Reference DRN5271703
11 Dec 2018 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)Mr A’s complaint is about how National Westminster Bank Plc (NatWest) has used the compensation it offered to settle his complaint about a mis-sold payment protection insurance (PPI) policy which was attached to his credit card.backgroundMr A took out a credit card with ... (3 pages)View decision -
Decision Reference DRN6858705
4 Dec 2014 Lowell Portfolio I Ltd Not upheldBanking and creditMr Z complains that Lowell Portfolio I Ltd (LP) is pursuing him for an unenforceable debt and it has not engaged with him fully in his complaint.backgroundMr Z has a sizeable credit card debt. He challenged the bank which supplied the credit card about the enforceability of that debt. He... (2 pages)View decision -
Decision Reference DRN0114071
12 Aug 2019 NewDay Ltd Not upheldBanking and creditMr D complains that although NewDay Ltd has passed his debt to a collection agency, it’s still asking him for money. He doesn’t want to be charged interest, and he doesn’t want to be charged twice.backgroundMr D contacted us because he thought something had gone wrong with payments to a cr... (2 pages)View decision -
Decision Reference DRN-2642794
28 Jul 2021 TFS Loans Limited Not upheldConsumer CreditDRN-2642794 The complaint Miss B complains about a loan provided to her by TFS Loans Limited which she says was unaffordable. What happened TFS Loans provided Miss B with a loan as follows: Date taken Amount Term Monthly repayment APR Amount Payable 07/09/2015 £7,500.00 60 £279.25 44.9% £1... (4 pages)View decision -
Decision Reference DRN4309469
25 Aug 2015 Haydon Associates Debt Management Consultants Ltd UpheldBanking and creditMs W complains that Haydon Associates Debt Management Consultants Ltd t/a Resolve (“Resolve”) gave her poor advice, causing her debts to increase rather than decrease.backgroundIn 2013 Ms W entered into a debt management plan (“the plan”) with Resolve. She did this follo... (2 pages)View decision -
Decision Reference DRN1715071
3 Feb 2020 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)ComplaintMr T is complaining that National Westminster Bank Plc (“NatWest”) 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, Mr T complained to NatWest ab... (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
