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 DRN9337235
20 Dec 2013 NEO Media Solutions Limited UpheldBanking and creditMiss Y complains that NEO Media Solutions Limited (trading as One Debt Solution): misled her as to how quickly her debts would be cleared; did not clearly explain what it would charge for its services, or when these charges would be taken; and did not pass payments she made to i... (2 pages)View decision -
Decision Reference DRN2439313
8 Apr 2020 Legal & General Partnership Services Limited Not upheldBanking and creditMs A through her solicitor B complains that Legal & General Partnership Services Limited (“L & G”) mis-sold her a mortgage, through an appointed representative that was part of its network, by telling her that the only option available was interest only and by advising her to conso... (3 pages)View decision -
Decision Reference DRN-4139257
10 Oct 2023 HSBC UK Bank Plc Not upheldMortgagesDRN-4139257 The complaint Mr G’s complaint about HSBC UK Bank Plc (HSBC) relates to its attempts to recover a shortfall balance on his mortgage account following the sale of his property in March 2013. What happened Mr G had a mortgage secured on a property I shall call M Rd. This property... (3 pages)View decision -
Decision Reference DRN2879303
12 Mar 2019 National Westminster Bank Plc UpheldBanking and creditMr H complains that National Westminster Bank Plc has not been reasonable when dealing with his business borrowing given his financial and personal difficulties. backgroundMr H took personal and business borrowing from NatWest. It’s written-off the personal debt but it ... (3 pages)View decision -
Decision Reference DRN0758944
18 Oct 2017 Debt Managers (Services) Limited Not upheldBanking and creditMr H complains that Debt Managers (Services) Limited (‘DMS’) is pursuing him in relation to a debt of which he has no knowledge. He wants it to stop chasing him.backgroundMr H held a joint bank account with another party. Around fifteen years ago, that account was in... (2 pages)View decision -
Decision Reference DRN-3824816
28 Nov 2022 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-3824816 The complaint Mr M complains Cabot Credit Management Group Limited trading as Cabot have treated him unfairly when attempting to collect debts he has with them. What happened I previously issued a provisional decision setting out what’d happened, and my thoughts on that. I’ve c... (5 pages)View decision -
Decision Reference DRN0993407
18 Dec 2015 Lowell Financial Ltd Not upheldBanking and creditMr W complains that Lowell Financial Ltd (Lowell) is pursuing him for debts which he says are not his. backgroundIn 2015, upon checking his credit file, Mr W said he became aware of entries relating to Lowell. He said he did not have any debts with Lowell and so h... (3 pages)View decision -
Decision Reference DRN9472665
28 May 2015 Lloyds Bank PLC Not upheldBanking and creditMrs P complains that Lloyds Bank plc can’t show her the original contracts she signed when opening her accounts.backgroundMrs P says that Lloyds should be able to show her the original contracts she signed when she opened her accounts. She says that if Lloyds can’t ... (2 pages)View decision -
Decision Reference DRN5802693
25 Feb 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs G complain that The Royal Bank of Scotland Plc (“RBS”) is pursuing them for a liability that they believed had been dealt with in their bankruptcy.background Mr and Mrs G became bankrupt in 2010 and were discharged from bankruptcy in 2011. In 2012, RBS made demand on Mr and... (3 pages)View decision -
Decision Reference DRN8672496
3 Nov 2016 WorldPay (UK) Limited UpheldBanking and creditMr T complains that WorldPay (UK) Limited failed to tell him about arrears accruing on one of his accounts.background Mr T had merchant services arrangements with WorldPay for his business. WorldPay contacted Mr T to say that there was an unpaid debt on his account, ... (3 pages)View decision
