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 70856 results
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Decision Reference DRN6788184
27 Jan 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMr T complains that Lowell Portfolio I Limited (“LPL”) failed to register and acknowledge his complaint to it.background Mr T had a credit card debt with a third party (“D”). D defaulted his account in November 2006. LPL bought the debt from D in 2008. It wrote to Mr T several times in 2... (2 pages)View decision -
Decision Reference DRN1206367
9 May 2018 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs B complain that the mortgage advice that they received from Legal & General Partnership Services Limited was unsuitable.background Mr and Mrs B had an existing mortgage and a number of unsecured debts. L&G recommended that they re-mortgage and consolida... (2 pages)View decision -
Decision Reference DRN1139857
18 Apr 2016 The Co-operative Bank Plc Not upheldPayment protection insurance (PPI)Mr W’s complaint is about the way The Co-operative Bank Plc (the Co-op) dealt with claim payments made under a payment protection insurance (PPI) policy he took out with a loan. backgroundIn March 2005 Mr W took out a loan with the Co-op for £15,000. At the sam... (3 pages)View decision -
Decision Reference DRN1643031
16 Jun 2015 Portfolio Recovery Associates U.K. Ltd Not upheldBanking and creditMs D complains that Portfolio Recovery Associates U.K. Ltd (PRA) have wrongly registered a default on her credit file.backgroundMs D fell into financial difficulties with a loan and in August 2011 a default was issued by the lender. Unfortunately, Ms D did not receive ... (2 pages)View decision -
Decision Reference DRN5201198
22 Oct 2015 Cabot Financial (Marlin) Limited Not upheldBanking and creditMr and Mrs A complain that Cabot Financial (Marlin) Limited haven’t provided them with information about a debt it says they owe.backgroundMr and Mrs A are being pursued by Cabot for a debt. They say that despite asking it to on a number of occasions, Cabot has... (1 page)View decision -
Decision Reference DRN5577422
5 Feb 2019 Santander UK Plc Not upheldBanking and creditMr H complains that Santander UK Plc allowed his account to go overdrawn when he had no arranged overdraft facility on his account. He’s unhappy it applied charges to his account and sold the outstanding debt to a debt collection agency when the balance was in dispute.... (4 pages)View decision -
Decision Reference DRN2462713
26 Jun 2018 Lloyds Bank PLC UpheldBanking and creditMs R complains about a personal loan she took out with Lloyds Bank PLC. She says it was mis-sold and that Lloyds didn’t treat her fairly when she experienced financial difficulty.backgroundIn 2010, Ms R took out a personal loan with Lloyds. She later experienced financ... (3 pages)View decision -
Decision Reference DRN2396142
22 Aug 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr V complains that The Royal Bank of Scotland Plc has inappropriately registered adverse information about him on his credit file. He says that the loan should not have been sold by the bank to a third party.backgroundMr V took the loan in October 2008 and the amount borrowed included ... (3 pages)View decision -
Decision Reference DRN-4182841
30 Aug 2023 Bank of Scotland Plc Not upheldMortgagesDRN-4182841 The complaint Mr and Mrs T complain that Bank of Scotland plc (trading as Halifax) treated them unfairly and caused delays. They say this resulted in them having a larger shortfall debt after their property was acquired by their local council. They ask that the shortfall debt i... (3 pages)View decision -
Decision Reference DRN-3299897
7 Jul 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3299897 The complaint Ms A complains that HSBC UK Bank plc assigned an outstanding debt to a third party and didn’t contact her before doing so. What happened Ms A had a Graduate Account with HSBC. The account was overdrawn. Ms A says that in 2014 she was experiencing financial difficu... (3 pages)View decision
