Ombudsman decisions

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• Decision Reference DRN4533811

  24 Feb 2016 Santander UK Plc Not upheld

  Banking and credit
  Mr T has complained that Santander UK Plc (Santander) registered a default on his credit file.backgroundMr T said his former wife ran up a debt on their joint account while they were going through a divorce. When Santander chased him for the repayment, he explained h... (2 pages)
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• Decision Reference DRN4242606

  26 Jun 2014 Barclays Bank Plc Upheld

  Payment protection insurance (PPI)
  Mr A’s complaint is that Barclay’s Bank Plc (Barclays) has used part of the redress from a mis-sold PPI policy to reduce the arrears on the loan associated with the PPI policy. Mr A says the total compensation for the mis-sold policy should be paid directly to him.backgroundIn October 2... (3 pages)
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• Decision Reference DRN0939237

  8 Apr 2016 Lowell Portfolio I Ltd Upheld

  Banking and credit
  Mr L complains that Lowell Portfolio I Ltd (Lowell) applied a default on his credit file without letting him know beforehand.Mr L wants compensation for this and for the default to be totally removed from his credit file history.backgroundI issued a provisional deci... (4 pages)
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• Decision Reference DRN-4819225

  3 Jul 2024 National Westminster Bank Plc Not upheld

  Banking and Payments
  DRN-4819225 The complaint Mr C complains National Westminster Bank Plc (NatWest) refused to accept an affordable payment plan for his outstanding debt that wouldn’t involve a default on his credit file. What happened Mr C says he has a debt owing to NatWest in excess of £2,000 but it has r... (3 pages)
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• Decision Reference DRN1936518

  25 Feb 2016 Home Retail Group Card Services Limited Not upheld

  Banking and credit
  Mr M complains that Home Retail Group Card Services Limited trading as Argos Card is wrongly chasing him to repay a debt after it said that it would waive it.backgroundMr M was repaying his debt to Argos at £5 per month from 2008. He was seriously injured in a car a... (2 pages)
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• Decision Reference DRN5743835

  6 Aug 2020 Arrow Global Limited Not upheld

  Banking and credit
  Mrs M complains Arrow Global Limited is wrongly pursuing her for a debt and instructing unauthorised third parties to collect the debt. She wants Arrow Global to withdraw its action and write off the debt.backgroundOn 20 January 2015, Arrow Global purchased an outstanding debt of £3,661.16... (2 pages)
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• Decision Reference DRN-4858590

  4 Dec 2024 Oakwood Homeloans Limited Upheld

  Mortgages
  DRN-4858590 The complaint Mr P complains that Oakwood Homeloans Limited is pursuing him for outstanding debt following the repossession and sale of his buy-to-let properties in 2016. The mortgages were secured against the properties but the sales left a shortfall that remains outstandin... (5 pages)
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• Decision Reference DRN3356263

  15 Feb 2019 Santander UK Plc Not upheld

  Banking and credit
  Ms G complains about a county court judgement relating to money owed to Santander UK Plc (“Santander”) as she has no relationship with them.backgroundMs G came to us as she was unhappy with Santander’s response to her complaint that she never had an account with them ... (2 pages)
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• Decision Reference DRN6885824

  11 Jun 2020 Tesco Personal Finance PLC Upheld

  Banking and credit
  Mr W complains Tesco Personal Finance PLC is unfairly holding him liable for a loan which he didn’t apply for.backgroundIn June 2016, Tesco approved a loan for £20,000 in the name of Mr W. The money was paid into a joint account – held at the time by Mr W and his wife. Days later, the fu... (2 pages)
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• Decision Reference DRN1889937

  9 May 2014 Barclays Bank Plc Not upheld

  Banking and credit
  Mr and Mrs S complain that Barclays Bank Plc recorded a default on their credit files, even though they made payments on a debt repayment plan. Barclays had also not amended the credit files correctly when Mr and Mrs S eventually paid off the outstanding balance. Mr and Mrs S would like... (2 pages)
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