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 76853 results
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Decision Reference DRN9106941
24 Nov 2017 Volkswagen Financial Services (UK) Limited Not upheldBanking and creditMr E complains that Volkswagen Financial Services (UK) Limited (trading as SEAT Finance) handled his financial difficulty poorly when he lost his job. He says they didn’t discuss all options with him.backgroundMr E took out hire purchase agreements with SEAT Finance ... (2 pages)View decision -
Decision Reference DRN-3122921
21 Dec 2021 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-3122921 The complaint Ms H has complained about Cabot Credit Management Group Limited chasing her for a debt. What happened This complaint is about a credit card account which was opened in 2018, defaulted in 2019, and then was sold to Cabot later that year. Ms H asked Cabot for copies... (2 pages)View decision -
Decision Reference DRN7045688
7 Feb 2017 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr M’s complaint is about the way The Royal Bank of Scotland Plc (RBS) used the money it offered him as compensation for the sale of several payment protection insurance (PPI) policies. backgroundIn 2016 RBS upheld Mr M’s complaint that it mis-sold him PPI policies a... (2 pages)View decision -
Decision Reference DRN0759312
13 Aug 2014 Wescot Credit Services Limited Not upheldBanking and creditMr A complains about the debt collection activities of Wescot Credit Services Limited (“Wescot”) in relation to money owed to a third party bank – (“the lender”). He is dissatisfied that Wescot did not contact him after he contacted it, leading him to assume the debt had been written o... (3 pages)View decision -
Decision Reference DRN7588931
26 Jul 2016 Santander UK Plc UpheldBanking and creditMr W says Santander UK Plc has continued to contact him about a debt that was included in his bankruptcy. He asks for £2,500 for the trouble and upset this has caused over seven years. background Mr W filed for bankruptcy in April 2009. One of the debts included ... (2 pages)View decision -
Decision Reference DRN8081530
4 Nov 2015 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs S complain that National Westminster Bank Plc mis-sold a loan to them. It did not treat them fairly, forcing them to agree new loan agreements and sell assets to repay the debt. This affected their health. They ask that NatWest refunds interest, costs ... (3 pages)View decision -
Decision Reference DRN9006321
11 Jul 2013 NCO Europe Limited Not upheldBanking and creditMr E complains about being asked to repay a debt by NCO Europe Limited. He believes he was harassed and is also unhappy that he did not receive anything to show that NCO Europe was authorised to collect the debt. Our service is dealing with several complaints by Mr E and I would stress t... (2 pages)View decision -
Decision Reference DRN8203146
4 Nov 2015 Mackenzie Hall Limited Not upheldBanking and creditMs M complains that Mackenzie Hall Limited (MHL) didn’t refund the £215.50 payment she made to them in respect of a payday loan account. backgroundMs M had an account with a payday lender between 2010 and 2014. The balance of this account was sold on to MHL, and then... (2 pages)View decision -
Decision Reference DRN7701291
29 May 2015 Legal & General Partnership Services Limited UpheldBanking and creditMiss S complains through her adviser that Legal & General Partnership Services Limited gave her unsuitable advice to remortgage and consolidate her debts.backgroundMiss S had a mortgage but was advised by Legal & General to remortgage and consolidate her debts.... (2 pages)View decision -
Decision Reference DRN4076246
23 Oct 2015 Lloyds Bank PLC Not upheldBanking and creditMr A complains that he has made an overpayment to Lloyds Bank PLC on his original credit agreement and he disputes the amount he owes.background Mr A had two loan accounts and a current account overdraft. These defaulted and he has made repayments under a debt managemen... (2 pages)View decision