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 70502 results
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Decision Reference DRN-2324228
21 Jul 2021 The Royal Bank of Scotland Plc Not upheldInsuranceDRN-2324228 The complaint Mrs W doesn’t think it’s fair that The Royal Bank of Scotland Plc (“RBS”) has used her payment protection insurance (“PPI”) compensation to reduce a debt from which she says she was released when her bankruptcy was discharged. What happened Mrs W had taken out a P... (4 pages)View decision -
Decision Reference DRN0763865
19 Dec 2016 Debt Advisory Line Limited Not upheldBanking and creditMr H, who is represented by a claims management company (CMC) says Debt Advisory Line Limited (Debt Advisory Line) gave him unsuitable and misleading advice when he entered into a debt management plan. backgroundIn 2012 Mr H entered into a debt management plan with Debt A... (2 pages)View decision -
Decision Reference DRN-3981858
22 Feb 2023 Klarna Bank AB (publ) UpheldBanking and PaymentsDRN-3981858 The complaint Mr D complains that Klarna Bank AB (publ) (“Klarna Bank”) changed the repayment options on his Klarna Bank card in 2022, so that he could not use a credit card to make repayments. What happened Mr D applied and was accepted for a Klarna Bank card to use for his p... (3 pages)View decision -
Decision Reference DRN-4826702
3 Jun 2024 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4826702 The complaint Mr F complains that Tesco Personal Finance PLC trading as Tesco Bank was irresponsible in its lending to him. He wants the interest and charges refunded on his account. What happened Mr F was provided with a £34,500 loan in June 2019. The loan was repayable over 4... (4 pages)View decision -
Decision Reference DRN6383985
8 Nov 2016 Debt Information Services Limited Not upheldBanking and creditMiss K has complained Debt Information Services Limited (‘DIS’) mis-sold her a debt management plan.She’s represented by D, a claims management company.backgroundDIS arranged a debt management plan for Miss K. She said an individual voluntary arrangement (IVA) would’ve be... (2 pages)View decision -
Decision Reference DRN1136544
10 Aug 2017 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr S is complaining that Capital One (Europe) plc has used the compensation it offered for the mis-selling of a payment protection insurance (PPI) policy attached to his credit card, to reduce his outstanding debt.backgroundMr S took out a credit card in 1999. At the ... (2 pages)View decision -
Decision Reference DRN-2342189
22 Apr 2021 National Westminster Bank Plc Not upheldInsuranceDRN-2342189 The complaint Miss N’s complaint is that National Westminster Bank Plc (NatWest) has used the compensation from three mis-sold payment protection insurance (PPI) policies to reduce the debt it says Miss N still owes it following completion of an Individual Voluntary Arrangement... (2 pages)View decision -
Decision Reference DRN-2238251
22 Apr 2021 The Royal Bank of Scotland Plc Not upheldInsuranceDRN-2238251 The complaint Mr B’s complaint is that The Royal Bank of Scotland Plc (RBS) has used the compensation from a mis-sold payment protection insurance (PPI) policy to reduce the debt it says Mr B still owes following completion of an Individual Voluntary Arrangement (IVA). What hap... (2 pages)View decision -
Decision Reference DRN3308652
21 Mar 2019 HSBC UK Bank Plc Not upheldPayment protection insurance (PPI)Mr B’s complaint is about what HSBC UK Bank Plc (HSBC) has done with the compensation due for a mis-sold payment protection insurance (PPI) policy associated with his credit card.backgroundMr B took out a credit card with HSBC in June 1998 and at the same time took ... (3 pages)View decision -
Decision Reference DRN2479766
10 Sep 2015 Haydon Associates Debt Management Consultants Ltd UpheldBanking and creditMr W complains Haydon Associates Debt Management Consultants Ltd (trading as “Resolve Money Matters”) agreed to help him reduce his debts but hasn’t done so.backgroundIn June 2013 Mr W agreed that Resolve Money Matters would help him reduce his debts. Resolve Money Matt... (2 pages)View decision
