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 71523 results
-
Decision Reference DRN-2783001
5 May 2021 Target Servicing Limited Not upheldMortgagesDRN-2783001 The complaint The complaint is about a secured loan taken out in 2005 originally with a lender I’ll call “W”. In 2018, W ceased trading and the debt was transferred to a new lender, which I’ll call “C”. The administration of the debt is carried out by Target Servicing Limited o... (3 pages)View decision -
Decision Reference DRN4349709
6 Aug 2014 Arrow Global Accounts Management Limited Not upheldBanking and creditMiss K complains that Arrow Global Accounts Management Limited is pursuing her for a debt that she has repaid.backgroundThe adjudicator did not recommend that the complaint should be upheld. He said that:-Two debts for significantly different amounts were sold by the same lender in ... (1 page)View decision -
Decision Reference DRN1742425
11 Mar 2016 Lloyds Bank PLC Not upheldBanking and creditMr Z and Ms L, partners of two businesses – N1 and N2, complain that Lloyds Bank Plc (Lloyds) didn’t provide them with an opportunity to restructure their finances from the time the formal demands for payments were issued in October 2013 until April 2014 when the ... (3 pages)View decision -
Decision Reference DRN2291111
17 Jan 2019 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr B’s complaint is about how The Royal Bank of Scotland Plc (RBS) has used the compensation due for a mis-sold payment protection insurance (PPI) policy which was attached to his credit card.backgroundIn February 2004 Mr B took out a credit card with RBS and at th... (3 pages)View decision -
Decision Reference DRN9036841
26 Jul 2017 Sainsbury's Bank Plc UpheldBanking and creditMr J complains that Sainbury’s Bank Plc has not treated him fairly, in that it sold the balance of a debt which he understood to have been written off to a third party collections agency. Mr J does not believe he should have to pay the debt, and would like Sainsbur... (3 pages)View decision -
Decision Reference DRN-2455565
14 Jan 2021 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-2455565 The complaint Miss W complained that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) passed her debt to a debt collection agency declined her offer of a repayment plan What happened Miss W had a Tesco credit card. The last payment to it was made in December 2019. In Ap... (3 pages)View decision -
Decision Reference DRN5354436
23 Nov 2017 Capquest Debt Recovery Limited Not upheldBanking and creditMrs W complains Capquest Debt Recovery Limited (Capquest) is asking her to pay back more than she owes.backgroundMrs W was contacted by Capquest about a debt originally taken out with another business (B). Capquest’s parent company (C) bought the debt from B and asked ... (3 pages)View decision -
Decision Reference DRN5184624
28 Oct 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs D’s representative, a claims management company, complains that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).backgroundMr and Mrs D had a mortgage, which they re-financed on a recommendation from... (2 pages)View decision -
Decision Reference DRN1617271
23 Sep 2015 National Westminster Bank Plc Not upheldBanking and creditMrs F and Mr M complain that National Westminster Bank Plc mis-sold them a mortgagebackground Mrs F and Mr M had an existing mortgage, (the ‘Original Mortgage’), with another lender, the (the “Original Lender”), for a certain sum, (the ‘Original Loan’). In 2010 ... (3 pages)View decision -
Decision Reference DRN-3265597
20 Jan 2022 Link Financial Outsourcing Limited UpheldConsumer CreditDRN-3265597 The complaint Miss R complains Link Financial Outsourcing Limited aren’t writing off a debt she owes them when there’s no reasonable prospect of her ever repaying it. What happened I issued a provisional decision, setting out what’d happened, and what I thought about that. I’ve... (3 pages)View decision
