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 70868 results
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Decision Reference DRN2702124
27 Apr 2020 Bank of Scotland Plc Not upheldBanking and creditMr C is unhappy that he has been contacted by debt collection agents (which I will refer to as M) who are asking him to pay approximately £31,000 for a mortgage shortfall debt owed to Bank of Scotland plc (trading as Halifax). Mr C has been helped in bringing his complaint by Ms B. For ea... (3 pages)View decision -
Decision Reference DRN-2201653
8 Jan 2021 Prac Financial Limited Not upheldConsumer CreditDRN-2201653 The complaint Mrs L says PRAC Financial Limited has treated her unfairly in the way it is pursuing her for a debt. What happened Mrs L took out a fixed sum loan agreement in January 2014 from a lender. The lender registered a default on Mrs L’s credit file in December 2014. In ... (3 pages)View decision -
Decision Reference DRN8452548
21 Jul 2017 Fluent Money Limited Not upheldBanking and creditMr and Mrs A are complaining that Fluent Money Limited didn’t pass on information about Mr A’s creditors to a lender. This has meant that the lender wasn’t able to pay off his debts from the proceeds of a loan they took out.backgroundMr and Mrs A asked Fluent Money... (2 pages)View decision -
Decision Reference DRN5620563
16 Jun 2020 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Ms I is unhappy with how Capital One (Europe) Plc (Capital One) has used the compensation it offered to settle her complaint about a mis-sold payment protection insurance (PPI) policy related to a credit card.backgroundMs I took out a credit card with Capital One in 2005 and also took out ... (4 pages)View decision -
Decision Reference DRN-4362925
5 Oct 2023 Credit Resource Solutions Ltd UpheldConsumer CreditDRN-4362925 The complaint Mr B complains that Credit Resource Solutions Ltd trading as CRS has chased him for debts that were formed part of his bankruptcy order. What happened Mr B has explained that he was made bankrupt in 2021 and discharged in 2022. In September 2022 CRS says it was in... (2 pages)View decision -
Decision Reference DRN-3215653
15 Feb 2022 The Royal Bank of Scotland Plc Not upheldInsuranceDRN-3215653 The complaint Miss A complains that it isn’t fair for The Royal Bank of Scotland Plc (RBS) to use her Payment Protection Insurance (PPI) compensation to reduce a debt because she considers it was written-off when her protected trust deed ended. What happened During 2003 Miss A ... (3 pages)View decision -
Decision Reference DRN7648890
8 Dec 2015 Knightsbridge Insolvency Services Limited Not upheldBanking and creditMiss W complains that Knightsbridge Insolvency Services Limited wrongly advised her to enter into a protected trust.backgroundMiss W explains that Knightsbridge Insolvency Services Limited advised her to enter into a protected trust. She says that she explained that one o... (2 pages)View decision -
Decision Reference DRN-2064033
31 Aug 2020 Nationwide Building Society Not upheldBanking and PaymentsDRN-2064033The complaintMr P complains about what happened after Nationwide Building Society took the agreed overdraft off his current account. He said that the account was defaulted, even though he was making payments, which he said he’d agreed with Nationwide. What happenedMr P had an ac... (3 pages)View decision -
Decision Reference DRN4023177
6 Feb 2014 HSBC Bank plc Not upheldBanking and creditMs E complains that HSBC Bank Plc failed to communicate with her for long periods about repayment of a debt she had guaranteed and then imposed an unrealistic deadline for her to sell her home. She wanted the bank to allow a realistic time frame to sell her home, to accept liability... (2 pages)View decision -
Decision Reference DRN-2781366
27 Apr 2021 PayPal Europe Sarl & Cie, SCA UpheldConsumer CreditDRN-2781366 The complaint Mr W is unhappy that PayPal Europe Sarl & Cie, SCA have refused to remove a default from his credit file as a result of his bankruptcy in 2018. What happened Mr W was declared bankrupt on 22 May 2018. The debts listed in the bankruptcy order included an amount... (4 pages)View decision
