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 70898 results
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Decision Reference DRN-3245060
14 Jan 2022 Sainsbury's Bank Plc UpheldConsumer CreditDRN-3245060 The complaint Mr K complains that Sainsbury's Bank Plc (Sainsbury’s) defaulted his loan and passed the debt to a debt collection agency. What happened Mr K had a loan from Sainsbury’s, and he was struggling to make the payments. In 2015, he fell behind with repayments. In... (4 pages)View decision -
Decision Reference DRN7127556
17 Sep 2015 Barclays Bank Plc Not upheldPayment protection insurance (PPI)Miss P has complained about the way Barclays Bank Plc has used the compensation it worked out she was due after she complained she’d been mis-sold payment protection insurance (PPI).backgroundBetween 2004 and 2007 Miss P took out four loans with Barclays and was sold ... (2 pages)View decision -
Decision Reference DRN6077450
27 Feb 2018 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr B is unhappy with how Capital One (Europe) plc (‘Capital One’) has offered to resolve his complaint about a payment protection insurance (‘PPI’) attached to a credit card. backgroundMr B took out a credit card in 1998. At the same time he was sold a PPI policy. Mr... (3 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 DRN1582780
4 Sep 2015 Link Financial Outsourcing Limited Not upheldBanking and creditMrs C complains that Link Financial Outsourcing Limited registered adverse information on her credit file using a credit card number she knows nothing about. And it misled her and didn’t deal with her complaint within a reasonable time. background In 2013 Mrs C asked L... (2 pages)View decision -
Decision Reference DRN9998630
22 May 2017 UKMS Money Solutions Limited Not upheldBanking and creditMr and Mrs B complain that UKMS Money Solutions Limited mis-sold them a debt management plan. They also complain that it failed to make payments to one of their debtors which led to a county court judgement (“CCJ”) against Mrs B.background Mr and Mrs B entered into ... (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 DRN5313453
19 Jan 2017 DFH Limited Not upheldBanking and creditMr C complains, in summary, that DFH Limited, trading as DFH Financial Solutions, (“DFH”), didn’t provide him with appropriate information when he entered into a debt management plan (“DMP”) with it. The complaint is brought to this service on Mr C’s behalf by a ... (2 pages)View decision -
Decision Reference DRN5139072
14 Apr 2015 Lloyds Bank PLC Not upheldBanking and creditMr N complains that Lloyds Bank PLC is harassing him to provide a charge over his home as additional security. He asks that it respects the terms of the contract.backgroundMr N gave a personal guarantee to Lloyds for the debts of a limited company. Lloyds called on the... (1 page)View decision -
Decision Reference DRN0950617
28 Aug 2015 Lowell Financial Ltd Not upheldBanking and creditMr J complains about a debt sold on to Lowell Financial Ltd, trading as Lowell Group. He says that since purchasing the debt, Lowell has demanded that he pay the amount owed in full. He also says that it has added interest to his account.BackgroundMr J had incurred ... (1 page)View decision
