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 72056 results
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Decision Reference DRN4988280
11 May 2017 Foundation for Credit Counselling UpheldBanking and creditFoundation for Credit Counselling, trading as Stepchange, set up a Debt Management Plan (DMP) in May 2016 for Mr and Mrs S. They complain that their DMP erroneously included debts relating to two secured loans. They say that this error had a negative impact on their ... (2 pages)View decision -
Decision Reference DRN3645657
5 Oct 2018 Capital One (Europe) plc Not upheldPayment 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)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 DRN1185217
10 Nov 2014 Santander UK Plc UpheldPayment protection insurance (PPI)Mr R’s complaint concerns a loan with an associated payment protection insurance (PPI) policy taken with Santander UK Plc. He considers that the PPI was mis-sold as he was not made aware that it was optional and is unhappy that he was unable to make a claim for unemployment. Further, h... (3 pages)View decision -
Decision Reference DRN7229630
16 Jul 2015 Legal & General Partnership Services Limited UpheldBanking and creditMiss F complains that Legal & General Partnership Services Limited mis-sold her a mortgage. The complaint is brought on her behalf by a claims management company.backgroundFollowing her meeting with Legal & General, Miss F agreed a two year fixed rate mortgage... (2 pages)View decision -
Decision Reference DRN-3993108
16 Mar 2023 National Westminster Bank Plc UpheldMortgagesDRN-3993108 The complaint Mr A complains that National Westminster Bank Plc asked him to make unaffordable mortgage payments after it paid ground rent and service charges owed in relation to his leasehold property. What happened Mr A took out a mortgage with NatWest in 2017 with a 35-year ... (6 pages)View decision -
Decision Reference DRN2552860
13 Feb 2015 Cabot Financial (Europe) Limited Not upheldBanking and creditMr F complains that Cabot Financial (Europe) Limited breached various regulations when it took action to collect a debt from him, including commencing legal proceedings. backgroundCabot bought the debt from a bank that had originally lent Mr F money through a credit card agreement. But ... (2 pages)View decision -
Decision Reference DRN4179041
3 Sep 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMs D, represented by a claims management company, complains that she was mis-sold a mortgage by an approved representative of Legal & General Partnership Services Limited (“L&G”). backgroundIn 2005, Ms D had a mortgage with around nine years left to run. She also had a large ... (2 pages)View decision -
Decision Reference DRN9635161
19 Dec 2013 Bank of Scotland Plc Not upheldBanking and creditMr T complains that Bank of Scotland plc (trading as Halifax) sold his debt to a third party, despite having agreed to write off the debt after five years. Mr T also says the debt should be statute barred. backgroundIn 2007 Mr T’s debt was passed to Halifax’s debt recovery department. ... (1 page)View decision -
Decision Reference DRN0812058
16 Mar 2017 Lowell Portfolio I Ltd UpheldBanking and creditMr J complains that Lowell Portfolio I Ltd pursued him for repayment of a debt that he didn’t owe and that it won’t remove the defaults from his credit file. He also complains about the poor level of service he’s received.backgroundThe debt relates to two loans which ... (2 pages)View decision
