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 74386 results
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Decision Reference DRN-1161854
27 May 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-1161854The complaintMr A and Mrs E are unhappy about how National Westminster Bank Plc (NatWest) dealt with issues related to the closure of their bank account. What happenedIn February 2019, NatWest wrote to Mr A and Mrs E. It said it had reviewed their bank account and gave them 60 d... (3 pages)View decision -
Decision Reference DRN3306885
6 Mar 2018 Legal & General Partnership Services Limited Not upheldBanking and creditMs A and Mr F complain that a mortgage recommended by Legal & General Partnership Services Limited wasn’t suitable. Ms A and Mr F are represented by a solicitor, which I’ll refer to as the representative. They ask for compensation.backgroundIn December 2006 Legal &... (3 pages)View decision -
Decision Reference DRN-4791020
22 Oct 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4791020 The complaint Mr M complains that TSB Bank Plc placed a default on his credit record after it closed his bank account. What happened In April 2023, Mr M opened an account with TSB. At the same time, he applied for an interest free arranged overdraft of £2,000. The applicatio... (3 pages)View decision -
Decision Reference DRN-3022231
17 Sep 2021 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-3022231 The complaint Ms J and Mr J complain about the way Link Financial Outsourcing Limited managed an outstanding debt, they owe to it, since 2005, and secondly that they have unfairly been applying interest to that debt. The Link Financial Outsourcing Limited was previously called ... (5 pages)View decision -
Decision Reference DRN-2885957
13 Jul 2021 Resolvecall UpheldConsumer CreditDRN-2885957 The complaint Mrs M complains that Resolvecall tried to collect debts that were included in her bankruptcy. What happened Mrs M was declared backrupt in 2018 and discharged in 2019. In February and March 2020 Resolvecall was instructed by a third party business to try and coll... (2 pages)View decision -
Decision Reference DRN-2855337
1 Dec 2021 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-2855337 The complaint Mr H complains that Clydesdale Bank Plc trading Virgin Money didn’t tell him when the promotional interest rate of his credit card came to an end. Mr H also complains that Virgin Money didn’t sent him a persistent debt letter as required. What happened Mr H opened... (2 pages)View decision -
Decision Reference DRN-2846265
20 Jul 2021 TFS Loans Limited UpheldConsumer CreditDRN-2846265 The complaint Mr L has complained that TFS Loans Limited (“TFS”) acted irresponsibly by accepting his loan application because he couldn’t afford the repayments. What happened Mr L approached TFS for a loan through an intermediary. He gave the purpose of the loan as debt conso... (8 pages)View decision -
Decision Reference DRN2777880
13 May 2020 Link Financial Outsourcing Limited Not upheldBanking and creditMrs T has complained via a third party that Link Financial Outsourcing Limited has unfairly pursued her for a debt it was servicing for another company. background Mrs T took out a credit card with a bank and arrears accrued on the account of just under £3,000. Mrs T agreed to pay the debt... (3 pages)View decision -
Decision Reference DRN0084245
16 Feb 2018 Link Financial Limited Not upheldBanking and creditMrs M complains that Link Financial Limited is pursuing her for a debt which she shouldn’tbe held liable for.backgroundMrs M had a credit card with another financial business. The outstanding debt on the cardwas passed to Link to recover in 2003.In 2017, Mrs M told ... (2 pages)View decision -
Decision Reference DRN-4858590
4 Dec 2024 Oakwood Homeloans Limited UpheldMortgagesDRN-4858590 The complaint Mr P complains that Oakwood Homeloans Limited is pursuing him for outstanding debt following the repossession and sale of his buy-to-let properties in 2016. The mortgages were secured against the properties but the sales left a shortfall that remains outstandin... (5 pages)View decision
