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 74313 results
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Decision Reference DRN7958993
13 Jul 2016 Vincent Bond & Co. Limited Not upheldBanking and creditMr F complains that Vincent Bond & Co Limited mis-sold a debt management plan.He has complained through a third party, but for ease of reading this decision has been drafted as if the complaint was made by Mr F.backgroundMr F complains that Vincent Bond didn’t ... (2 pages)View decision -
Decision Reference DRN1677761
10 Feb 2016 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs M complain Bank of Scotland plc (trading as Halifax) cashed a cheque they sent, in full and final settlement of a debt, but later said it wasn’t acceptable as settlement.backgroundMr and Mrs M wrote to Halifax on 9 March 2015 with a cheque for £164. The ... (2 pages)View decision -
Decision Reference DRN9330155
7 Aug 2014 Legal & General Partnership Services Limited UpheldBanking and creditMr T complains that the mortgage recommended by Legal & General Partnership ServicesLimited was unsuitable. He is represented in his complaint by a third party.backgroundMr T’s mortgage with his previous lender was repaid partly on a repayment basis, and partlyon interest-only. He als... (4 pages)View decision -
Decision Reference DRN1239236
8 Mar 2019 PRA Group (UK) Limited Not upheldBanking and creditMr R’s unhappy that PRA Group (UK) Limited has been communicating with him about a debt he says he’s paid off.backgroundPRA is trying to recover money it says Mr R owes to two financial businesses. Mr R says he’d entered a debt management plan and both debts wer... (2 pages)View decision -
Decision Reference DRN6745337
4 Dec 2019 Evergreen Finance London Ltd UpheldBanking and creditMr W complains that Evergreen Finance London Limited, trading as Moneyboat, made a mistake when it tried to collect a payment. Mr W says it led to embarrassment and financial loss.Since this complaint has been with this service Mr W has complained about being harassed by Moneyboat in relat... (5 pages)View decision -
Decision Reference DRN2716447
11 Sep 2015 WorldPay (UK) Limited Not upheldBanking and creditS is a limited company and its complaint is brought by its representative, Mr B. Mr B complains that WorldPay (UK) Limited is chasing S for a debt that is not properly owed. backgroundS took a merchant services facility to enable it to accept plastic card payments. ... (3 pages)View decision -
Decision Reference DRN8445237
1 Feb 2019 Shop Direct Finance Company Limited Not upheldBanking and creditMrs K complained that Shop Direct Finance Company Limited (Shop Direct Finance) sold a debt to a third party even though that debt was in dispute. backgroundMrs K bought a fridge freezer online in 2016. She says the product was on sale at the time, with an additional ... (2 pages)View decision -
Decision Reference DRN5245277
9 May 2017 Lowell Portfolio I Ltd Not upheldBanking and creditMr L complains that he has not been provided with information, including a copy of a deed of assignment by which Lowell Portfolio I Ltd (‘Lowell’) purchased a credit card debt Lowell says he owes. He wants either a copy of the deed or the debt cancelled and all re... (2 pages)View decision -
Decision Reference DRN9775718
31 Jul 2019 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs L complain that Bank of Scotland plc (BOS) didn’t default their accounts after they entered into a Debt Arrangement Scheme (DAS).backgroundMr and Mrs L both have accounts with BOS. In 2018, Mr and Mrs L entered into a DAS – which is a Scottish scheme to help people repay their d... (2 pages)View decision -
Decision Reference DRN-2267959
29 Oct 2020 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2267959 The complaint Mr M complains that Barclays Bank UK PLC unfairly registered a default on his credit file. What happened Mr M says he moved home but accepts he didn’t update Barclays with the new address. He says he was unaware that one of his Barclays Accounts was overdrawn and ... (2 pages)View decision
