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 74386 results
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Decision Reference DRN9759806
25 Apr 2018 Prac Financial Limited UpheldBanking and creditMs S has complained that Prac Financial Limited (“Prac”) entered information incorrectly onto her credit file, as well as carrying out an unnecessary soft trace. She has also complained about the service provided. backgroundIn December 2016 Prac acquired a debt owed by Ms... (3 pages)View decision -
Decision Reference DRN4576981
27 Apr 2016 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs J complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (L&G).backgroundIn 2008 L&G made a recommendation to Mr and Mrs J for a remortgage. They say the remortgage increased their... (3 pages)View decision -
Decision Reference DRN3058563
29 Sep 2017 Nemo Personal Finance Limited Not upheldBanking and creditMr and Mrs J complain that Nemo Personal Finance Limited isn’t treating them fairly when they’re in financial difficulties. They want Nemo to accept their repayment plan to pay an extra £50 each month towards the arrears.background Mr and Mrs J have a secured loan wi... (4 pages)View decision -
Decision Reference DRN-2372660
21 Jan 2021 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2372660 The complaint Mr C complains that a member of National Westminster Bank Plc (‘NatWest’) staff promised to remove charges from his debt and write it off, but didn’t do this. What happened Mr C had an overdraft with NatWest that he took out due to the rates on this account at tha... (3 pages)View decision -
Decision Reference DRN2209265
3 Apr 2014 National Westminster Bank Plc Not upheldBanking and creditMr L complains that a debt collection agency, acting on behalf of National Westminster Bank Plc (“NatWest”), pursued him for a debt that was not his. The bank has offered compensation but Mr L says it is not enough. background In June 2013 a debt collection agency wrote to Mr L in pu... (2 pages)View decision -
Decision Reference DRN5680287
15 Nov 2016 Debt Advisory Line Limited Not upheldBanking and creditMrs T, represented by a claims management company (CMC), complains that Debt Advisory Line Limited (the business) did not tell her about the free debt services available and did not manage her debt management plan (DMP) correctly.backgroundMrs T entered into a DMP m... (2 pages)View decision -
Decision Reference DRN5440524
31 Oct 2013 Bank of Scotland Plc UpheldBanking and creditMr H complains that, after telling the bank about his financial difficulties in 2007, Bank of Scotland plc has continued to pursue him for a debt he cannot repay in full and has now sold his account to an external organisation. He wants the bank to pursue him through the courts so he ca... (2 pages)View decision -
Decision Reference DRN-3139640
6 Jan 2022 Lloyds Bank PLC Not upheldConsumer CreditDRN-3139640 The complaint Mr P is unhappy that Lloyds Bank PLC approved him for a loan which he feels was unaffordable for him at that time. What happened In 2015, Mr P applied for a loan with Lloyds. The loan application was approved. The loan was for £13,900 to be repaid over a term of s... (2 pages)View decision -
Decision Reference DRN-1525082
2 Mar 2020 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-1525082The complaintMr C complains that Lantern Debt Recovery Services Ltd is pursuing him for a debt that he doesn’t believe he’s liable for. What happenedMr C took out a loan with a lender I will refer to as ‘W’. In early 2019, W went into administration and the administrators sold M... (2 pages)View decision -
Decision Reference DRN-4493196
9 Jan 2024 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4493196 The complaint Mr H complains that National Westminster Bank Plc is wrongly holding him personally liable for the debt of a limited company he used to be associated with. I will call that company R. What happened Mr H told us: In July 2022 he was a director of R. His fellow dir... (4 pages)View decision
