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 DRN8201333
8 Nov 2018 Kapama Limited UpheldBanking and creditMr S has raised a complaint about the administration of his account, in particular the validity and amount of the outstanding debt.backgroundMr S took out a loan in 2011. The company he borrowed from has now gone into liquidation and his debt has been sold to a third ... (3 pages)View decision -
Decision Reference DRN6325516
15 Dec 2016 Cabot Financial (Europe) Limited UpheldBanking and creditMr U complains that Cabot Financial (Europe) Limited, (“CFL”), won’t supply him with copies of credit agreements or any other documentation about the debts they are pursuing him for. The complaint is brought to this service by a member of Mr U’s family, but for ease... (3 pages)View decision -
Decision Reference DRN2650543
6 Jul 2016 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr M’s complaint is about the sale of a payment protection insurance (PPI) policy and way The Royal Bank of Scotland Plc (RBS) has offered to put things right for him. He’s also unhappy with the service he’s received from RBS.backgroundIn 2000 Mr M was sold a PPI... (4 pages)View decision -
Decision Reference DRN9683812
6 Jun 2019 Capital One (Europe) plc Not upheldBanking and creditMrs E complains about the way Capital One (Europe) plc tried to recover a credit card debt from her. Mrs E says Capital One instructed four different debt collection businesses at the same time and that they sent private information to an unrelated address. Mrs E also... (3 pages)View decision -
Decision Reference DRN3036055
15 Mar 2016 Cabot Financial (Europe) Limited Not upheldBanking and creditMrs M complains that Cabot Financial (Europe) Limited is asking her to repay a debt which has been written off. It also started court proceedings when it knew she was disputing the debt. She is assisted in her complaint by her husband, Mr M. backgroundMrs M held ... (3 pages)View decision -
Decision Reference DRN6623125
27 Nov 2014 Swinton Group Ltd UpheldInsurance (excluding PPI)Ms J complained about the amount Swinton Group Ltd charged her following the cancellation of her insurance policies. She was also unhappy about how she was pursued for the money owed.backgroundMs J held home insurance through Swinton. When she cancelled the policy Swinton told her tha... (3 pages)View decision -
Decision Reference DRN8822758
6 Nov 2014 Cheltenham & Gloucester plc Not upheldBanking and creditComplaintMr and Mrs L complain that Cheltenham & Gloucester Plc mis-sold a mortgage to them. They ask to be put in the position they would have been in had they not taken out the mortgage. Mr and Mrs L are represented by Z.backgroundMr and Mrs L took out a mortgage with C&G in... (2 pages)View decision -
Decision Reference DRN-3672901
30 Aug 2022 Santander UK Plc Not upheldMortgagesDRN-3672901 The complaint Ms H complains that Santander UK Plc (“Santander”) agreed to take the proceeds of a shortfall sale as full and final settlement of her mortgage but later passed the residual balance on to a debt collection agent. What happened Ms H took out an interest-only mortga... (5 pages)View decision -
Decision Reference DRN1531665
18 Jan 2018 OPOS Limited Not upheldBanking and creditMiss B complains that a loan she took out with Minicredit that was transferred to Opus Limited (Opus), when Minicredit went into administration was irresponsibly lent and that the charges and interest that have accrued should be refunded to her.background Miss B took ... (3 pages)View decision -
Decision Reference DRN0605211
8 Apr 2019 Link Financial Outsourcing Limited UpheldBanking and creditMr and Mrs J complain that Link Financial Outsourcing Limited has treated them unfairly since it took over their debt from another company when they found themselves in financial difficulties. In particular they complain because it’s increased the debt significantl... (2 pages)View decision