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 69825 results
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Decision Reference DRN-5186894
10 Feb 2025 Bank of Scotland Plc Not upheldMortgagesDRN-5186894 The complaint Mr and Mrs M complain that Bank of Scotland plc continue to pursue them for a mortgage debt after Mr M’s bankruptcy. What happened Mr and Mrs M have had a joint mortgage with Bank of Scotland (BoS) for some time. In 2012, Mr M was declared bankrupt. He was late... (3 pages)View decision -
Decision Reference DRN7716522
22 Jun 2015 Drydens Limited Not upheldBanking and creditMr P complains that Drydens Limited (the business) is chasing him for an outstanding debt but has not provided him with the details proving he owes the money.backgroundMr P says that he was paying £30 per month to a debt collection company but that he had no informatio... (2 pages)View decision -
Decision Reference DRN4817153
29 Sep 2017 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMrs K complains that Harrington Brooks (Accountants) Limited (HB) provided poor service when she took out a debt management plan. background Mrs K took out the debt management plan (DMP) in 2014. In June 2016 HB told her one of her debts was paid off. It stopped making... (2 pages)View decision -
Decision Reference DRN2903027
20 Jan 2015 Capquest Debt Recovery Limited Not upheldBanking and creditMr R complains about a debt that Capquest Debt Recovery Limited is seeking repayment of. He is unhappy the debt was passed to Capquest without his knowledge and he refuses to accept Capquest’s demands for payment as he is still paying the original creditor. background Capquest was ap... (2 pages)View decision -
Decision Reference DRN2649229
21 Dec 2017 Commercial Associates Limited Not upheldBanking and creditMs D is unhappy Commercial Associates Limited (CAL) pursued her for a debt in respect of a vehicle she hired from it. She also says she was pressurised to hire the vehicle. backgroundMs D needs a specialised vehicle for her business which she hired from CAL, agree... (3 pages)View decision -
Decision Reference DRN6237679
30 Sep 2013 Santander Cards UK Limited Not upheldBanking and creditMr R complains that Santander Cards UK Limited passed his account to another company without telling him. He says that a member of his family paid off the debt, although he is still being asked to repay it, and that it has also increased significantly. Mr R wants Santander to reduce the ... (2 pages)View decision -
Decision Reference DRN8260338
15 Nov 2016 Debt Release Direct Limited Not upheldBanking and creditMiss R, represented by a claims management company (CMC), complains that Debt Release Direct Limited did not inform her about the free debt services available when it took over her debt management plan (DMP).backgroundMiss R entered into a DMP which was transferred t... (3 pages)View decision -
Decision Reference DRN7096646
31 Dec 2018 Prac Financial Limited Not upheldBanking and creditMr K is unhappy with how PRAC Financial Limited (PRAC) pursued him for a debt which he thought was settled. PRAC generally acted through its legal representative – but for ease, I’ve just referred to PRAC in my decision. backgroundIn January 2017, a lender wrote t... (4 pages)View decision -
Decision Reference DRN2176199
2 Dec 2014 Lloyds Bank PLC Not upheldBanking and creditMrs W complains about overdrafts and loans provided by Lloyds Bank PLC and the way it has gone about recovering money owed. backgroundMrs W and her husband were involved in a business which started to get into difficulties in 2005. They had a number of joint accounts and accounts in ... (2 pages)View decision -
Decision Reference DRN7203364
10 Feb 2015 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr T’s complaint concerns his credit card and an associated payment protection insurance (PPI) policy – both sold by Capital One (Europe) plc. He is unhappy that a debt remains on the card after having made a successful claim on the PPI policy and with Capital One’s pursuit of the debt... (2 pages)View decision
