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 DRN-4569582
19 Jan 2024 MBNA Limited Not upheldBanking and PaymentsDRN-4569582 The complaint Mr A complains that MBNA Limited was irresponsible in its lending to him. What happened Mr A says that MBNA provided him with a credit card without being asked to provide proof of his income or expenditure. He says that his credit limit was then increased and agai... (3 pages)View decision -
Decision Reference DRN-4943302
16 Sep 2024 Tesco Personal Finance PLC UpheldConsumer CreditDRN-4943302 The complaint Mr P complains that Tesco Personal Finance PLC trading as Tesco Bank accepted a partial settlement offer from him which was higher than the settlement offer which a debt collection agency later told him had been accepted. What happened Mr P held a loan account ... (2 pages)View decision -
Decision Reference DRN4637846
3 Feb 2015 Compello Operations Limited Not upheldBanking and creditMr A complains that Compello Operations Limited (the business) has not provided him with the evidence he asked for about the debt it says he owes. He says that the business keeps changing the entity used to contact him.backgroundMr A contacted the business to ask for proof that the de... (2 pages)View decision -
Decision Reference DRN-3196832
28 Jun 2022 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-3196832 The complaint Mr C complains about the communication from Lantern Debt Recovery Services Ltd regarding a debt he owed. What happened Mr C explains he had a debt with a lender, who I’ll call O, and put in an irresponsible lending complaint. He says O told him they’d ask Lantern ... (2 pages)View decision -
Decision Reference DRN0495440
10 Nov 2017 Bank of Scotland Plc Not upheldBanking and creditMs C complains about how Bank of Scotland plc handled her request for information and how it dealt with her complaint. backgroundMs C received letters from debt collection agents asking her to pay an outstanding loan debt. She complained to the recovery agent and asked it... (2 pages)View decision -
Decision Reference DRN-4090600
19 May 2023 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-4090600 The complaint Mr O complains that Lowell Portfolio I Ltd is unfairly pursuing him for an outstanding debt. What happened Lowell purchased a credit card debt in Mr O’s name from a business I’ll call V in September 2020 and sent him a Notice of Assignment to confirm the new arran... (2 pages)View decision -
Decision Reference DRN-3946834
21 Apr 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3946834 The complaint Mr O complains that Bank of Scotland plc, trading as Halifax (BoS) passed his credit card debt to a third-party to manage the debt, while he had an arrangement to repay the balance to BoS. What happened Mr O says that in 2016, he made an arrangement with BoS to re... (3 pages)View decision -
Decision Reference DRN6495127
28 Jan 2015 Nationwide Building Society Not upheldInsurance (excluding PPI)Mr C complains about a debt on his mortgage account as a result of payments being taken by Nationwide Building Society to cover the monthly premiums for his contents insurance policy.background Mr C had a mortgage account with Nationwide as well as a home insurance policy. The monthly p... (3 pages)View decision -
Decision Reference DRN5511120
28 Mar 2017 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr E and his representative are unhappy about the advice he was given by Harrington Brooks (Accountants) Limited (trading as Harrington Brooks Debt Management) to enter into a debt management plan. They say it was mis-sold to him and wasn’t the appropriate solution for ... (2 pages)View decision -
Decision Reference DRN3905100
27 Sep 2013 Clydesdale Bank Plc UpheldBanking and creditMr and Mrs M complain that Clydesdale Bank PLC has unfairly registered a default against their credit files that resulted from errors it had made with their current account.backgroundMr and Mrs M had a mortgage with Clydesdale that included a current account. This account provided a ... (3 pages)View decision
