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 70137 results
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Decision Reference DRN5389813
29 Sep 2015 Arrow Global Management Limited Not upheldBanking and creditMr R complains that Arrow Global Management Limited acted unreasonably in starting court proceedings against him. Arrow stayed the proceedings but added the costs it had incurred to the debt Mr R owes. He wants it to write off the court costs, reduce his debt by £200... (2 pages)View decision -
Decision Reference DRN2494785
8 Mar 2017 Baines & Ernst Limited Not upheldBanking and creditMr and Mrs A complain, in summary, that Baines & Ernst Limited, (“BEL”), didn’t providethem with appropriate information when they entered into a debt management plan (“DMP”)with it. The complaint is brought to this service on Mr and Mrs A’s behalf by a claimsman... (4 pages)View decision -
Decision Reference DRN7873067
4 Jul 2019 Lloyds Bank PLC Not upheldBanking and creditMr Z complains, with the help of his representative, that Lloyds Bank PLC chased him for a debt of over £78,000 which he didn’t owe.backgroundLloyds says it lent Mr Z £25,000 in 2009 which it paid into the joint account he held with his wife. He says they’ve never... (2 pages)View decision -
Decision Reference DRN2799615
23 Dec 2014 Haydon Associates Debt Management Consultants Ltd UpheldBanking and creditMrs B complains about the way which Haydon Associates Debt Management Consultants Ltd (‘Haydon’) has run her debt management plan (‘DMP’). In summary, she says it passed very little of her monthly payments on to her creditors, and took excessive fees. backgroundIn summary, Haydon says t... (2 pages)View decision -
Decision Reference DRN5056685
25 Aug 2015 Sterling Financial Security Ltd UpheldBanking and creditMr O complains Sterling Financial Security Ltd handled his debt management plan badlybackgroundIn 2012 Mr O asked Sterling Financial Security (trading as “Best Solutions”) to help with a debt management plan. Best Solutions agreed to do so.Mr O says he had a number o... (2 pages)View decision -
Decision Reference DRN-2495642
18 Feb 2021 Lowell Portfolio I Ltd Not upheldBanking and PaymentsDRN-2495642 The complaint Miss M complains Lowell Portfolio I Ltd haven’t refunded money relating to a debt with them she says they should. What happened Miss M had a debt with a bank, who I’ll call Bank A, which Lowell bought. In March 2020 Bank A wrote to Miss M saying they’d completed a... (2 pages)View decision -
Decision Reference DRN6991179
9 May 2016 Santander UK Plc Not upheldBanking and creditMrs H’s complaint is that Santander UK Plc has unfairly pursued her for payment of two credit card debts. She says that Santander hasn’t been able to provide the original credit agreements for either account.Mrs H also says that Santander has incorrectly sent letters ab... (4 pages)View decision -
Decision Reference DRN2955516
11 Jun 2020 TSB Bank plc UpheldBanking and creditMr and Mrs B complain that TSB Bank plc refused their application to port their mortgage product.backgroundMr and Mrs B took out a mortgage with TSB in 2016 for £87,200 on a capital repayment basis with a term of 11 years. They also took out a fixed rate mortgage product for five years wit... (4 pages)View decision -
Decision Reference DRN6590916
24 Apr 2013 Bank of Scotland Plc Not upheldBanking and creditMiss Y complains that Bank of Scotland will not deal with her directly to discuss a repayment plan on her loan. She is unhappy that her account is being handled by debt collection agents and believes that this breaches her data protection rights.backgroundA default notice was issued... (2 pages)View decision -
Decision Reference DRN6171631
20 Mar 2014 R. Raphael & Sons Plc Not upheldBanking and creditMs G complains that R. Raphael & Sons plc, trading as Monument, will not write off her outstanding debt to it. backgroundMs G owes a credit card debt to Monument. It agreed to accept reduced monthly repayments of £9 each month, which was then reduced to £3 each month and she is ... (1 page)View decision
