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 74313 results
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Decision Reference DRN9479676
3 Mar 2015 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Miss J’s complaint concerns a loan, credit card and overdraft facility all held with Lloyds Bank PLC. She is unhappy that Lloyds’ staff did not tell her in November 2000 that she could claim under a payment protection insurance (PPI) policy – attached to her loan – when she informed i... (2 pages)View decision -
Decision Reference DRN7495784
17 Sep 2014 Barclays Bank Plc Not upheldBanking and creditMrs D complained because Barclays Bank PLC is pursuing her for debts on a joint account held with her husband. Mrs D and her husband are in the process of divorcing. Mrs D says that the account was only ever used by her husband, and she wants to be removed from the account, and from ... (3 pages)View decision -
Decision Reference DRN4393538
4 Jun 2014 Barclays Bank Plc Not upheldBanking and creditMr F complains that Barclays Bank Plc trading as Barclaycard did not stand by its offer to settle his credit card debt. backgroundMr F found himself in financial difficulties and fell into arrears with his credit card. In 2011 he entered into an arrangement with Barclaycard to make small... (1 page)View decision -
Decision Reference DRN5936444
31 Mar 2016 Lowell Portfolio I Ltd UpheldBanking and creditMr P complains Lowell Portfolio I Ltd, (“Lowell”), pursued him for a debt that had already been established wasn’t his.backgroundLowell bought an existing account from another lender in 2015. It then contacted Mr P to seek repayment.Mr P said he’d previously informed t... (2 pages)View decision -
Decision Reference DRN-3241680
3 Mar 2022 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-3241680 The complaint Mr C complains Cabot Credit Management Group Limited (“Cabot”) is unfairly holding him liable for three debts it purchased as they were taken out fraudulently. To put things right, Mr C wants Cabot to return all payments made to it from his account as he didn’t au... (3 pages)View decision -
Decision Reference DRN1185217
10 Nov 2014 Santander UK Plc UpheldPayment protection insurance (PPI)Mr R’s complaint concerns a loan with an associated payment protection insurance (PPI) policy taken with Santander UK Plc. He considers that the PPI was mis-sold as he was not made aware that it was optional and is unhappy that he was unable to make a claim for unemployment. Further, h... (3 pages)View decision -
Decision Reference DRN8410043
10 Aug 2017 Southern Pacific Securities 05-2 Plc UpheldBanking and creditMr and Mrs B complain that Southern Pacific Securities 05-2 Plc (“SPS”) wrongly added £1,000 in legal fees to their account.backgroundThe dispute between Mr and Mrs B and SPS goes back many years, and has been subject to two previous decisions from ombudsman colleag... (2 pages)View decision -
Decision Reference DRN7699214
29 Jun 2015 Hillesden Securities Limited Not upheldBanking and creditMr B complains that Hillesden Securities Limited (the business) failed to provide him with the information he requested within the required timeframe and has not provided valid information to show that it has ownership of the debt it is pursuing him for. He says that it ... (2 pages)View decision -
Decision Reference DRN3331053
30 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMiss B complains about a debt reduction agreement that she took out with NEO Media Solutions Limited, trading as One Debt Solution. She complains that it did not pay money to her creditors as it had agreed to do.backgroundMiss B entered into a debt reduction agreement with One Debt So... (2 pages)View decision -
Decision Reference DRN9999907
26 Apr 2013 Clydesdale Bank Plc Not upheldBanking and creditMr M complains about charges applied to his current account; that Clydesdale Bank Plc (trading as Yorkshire Bank) added his overdraft to a loan without his knowledge and that this has caused him financial difficulties. backgroundMr M applied for a loan with weekly repayments in July 20... (1 page)View decision
