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 DRN2019713
26 May 2020 Erudio Student Loans Limited Not upheldBanking and creditMr F complains because Erudio Student Loans Limited have kept information about a loan that was taken out in his name. He also complains that Erudio have passed this information to credit reference agencies.backgroundIn the mid to late 1990’s, three separate student loans were taken out in... (5 pages)View decision -
Decision Reference DRN7701291
29 May 2015 Legal & General Partnership Services Limited UpheldBanking and creditMiss S complains through her adviser that Legal & General Partnership Services Limited gave her unsuitable advice to remortgage and consolidate her debts.backgroundMiss S had a mortgage but was advised by Legal & General to remortgage and consolidate her debts.... (2 pages)View decision -
Decision Reference DRN-3699362
13 Sep 2022 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-3699362 The complaint Mr B complains that Shop Direct Finance Company Limited trading as very (very) defaulted his account. What happened Mr B had an account with very. The limit was £1,325. His income was affected by the pandemic and he was placed on furlough. His account fell into ... (4 pages)View decision -
Decision Reference DRN1465929
7 Aug 2014 HSBC Bank plc Not upheldBanking and creditMr Z complains that HSBC Bank plc is requiring that he repay the debt of a company, under his personal guarantee, and about its conduct of his own business account. He wants the bank to agree not to require him to repay the debts involved.backgroundMr Z established a company in 2006. H... (2 pages)View decision -
Decision Reference DRN-3126653
14 Dec 2021 Wescot Credit Services Limited Not upheldConsumer CreditDRN-3126653 The complaint Ms C complains about Wescot Credit Services Limited trading as Wescot’s actions when trying to recover two debts from her. What happened Ms C has told us she entered into a Debt Management Plan (DMP) in 2013 via an organisation that provides debt advice (C). Ms C ... (2 pages)View decision -
Decision Reference DRN-2963910
19 Aug 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2963910 The complaint Mr B complains that a debt collection agency is asking him to repay a credit card account that he says he didn’t take out. He says that he never had a card with Barclays Bank UK PLC. What happened Mr B said he was being asked to repay a credit card debt for a card... (3 pages)View decision -
Decision Reference DRN2534321
27 Mar 2014 National Westminster Bank Plc Not upheldBanking and creditMrs Z complains that National Westminster Bank Plc pursued her for a debt on her joint account that she was not responsible for. She says, in any event, the bank had promised the other joint account holder it would not pursue her for this debt. She considers that the bank did not issue th... (3 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 DRN-3238596
11 May 2022 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-3238596 The complaint Mr W complains that The Royal Bank of Scotland Plc (RBS) continued to report a debt on his credit file despite it being included within an Individual Voluntary Arrangement (IVA) that was settled in July 2020. What happened Mr W entered into an IVA in 2018. This wa... (3 pages)View decision -
Decision Reference DRN8445237
1 Feb 2019 Shop Direct Finance Company Limited Not upheldBanking and creditMrs K complained that Shop Direct Finance Company Limited (Shop Direct Finance) sold a debt to a third party even though that debt was in dispute. backgroundMrs K bought a fridge freezer online in 2016. She says the product was on sale at the time, with an additional ... (2 pages)View decision
