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 69710 results
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Decision Reference DRN8402021
3 Apr 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs A through their representative M complain that the appointed representative of Legal & General Partnership Services Limited, W, mis-sold them a mortgage in 2008. They want compensation.backgroundMr and Mrs A took advice from W in 2008 about remortgaging th... (2 pages)View decision -
Decision Reference DRN5366482
15 Feb 2018 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mrs P isn’t happy with how Capital One (Europe) plc (‘Capital One’) has offered to resolve a complaint about a payment protection insurance (‘PPI’) policy attached to a credit card. backgroundMrs P took out a credit card in 2005. At the same time a PPI policy was ... (4 pages)View decision -
Decision Reference DRN-3949728
9 May 2023 Link Financial Outsourcing Limited UpheldBanking and PaymentsDRN-3949728 The complaint Mrs J complains that Link Financial Outsourcing Limited trading as Link Financial did not write off her debt due to her medical issues and took too long to notify her of this. What happened Mrs J and her husband Mr J, though this decision will focus on Mrs J’s acc... (3 pages)View decision -
Decision Reference DRN4526182
10 Mar 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMr G complains that Lowell Portfolio I Ltd (the business) is chasing him for a debt that is not his.backgroundMr G says that the debt the business is chasing him for is not his. He says that he was a victim of identity fraud around the time the activity on this account happened. He sa... (2 pages)View decision -
Decision Reference DRN5493569
14 Aug 2015 The Funding Corporation Limited UpheldPayment protection insurance (PPI)Mrs B has complained about the way The Funding Corporation Limited (“TFC”) has used the compensation it agreed to pay her following a complaint about the sale of a payment protection insurance (“PPI”) policy.backgroundMrs B took out a loan for £10,000 in 2005 and she to... (3 pages)View decision -
Decision Reference DRN-3025112
14 Oct 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3025112 The complaint Mr W is unhappy that Bank of Scotland plc, trading as Halifax UK, sold a debt to a debt purchasing company which he feels they should have written off. What happened Mr W opened a student account with Halifax in 2008. The account became overdrawn and was defaulted... (2 pages)View decision -
Decision Reference DRN9854155
26 Jan 2018 Capital One (Europe) plc UpheldPayment protection insurance (PPI)ComplaintMr C is complaining that Capital One (Europe) plc (“Capital One”) has used the compensation it offered for the mis-selling of a payment protection insurance (“PPI”) policy attached to his credit card, to reduce his outstanding debt with it.backgroundIn 2015, fol... (2 pages)View decision -
Decision Reference DRN1105478
20 Nov 2013 Northern Debt Recovery Limited UpheldBanking and creditMiss T complains that Northern Debt Recovery Limited debited her account without her authority, and after she had told it that she was in financial difficulty.backgroundMiss T took out a short-term loan for £300 in 2011. When the loan was not fully repaid on time, Miss T agreed to a rep... (2 pages)View decision -
Decision Reference DRN8694013
28 Jan 2020 Lloyds Bank PLC Not upheldBanking and creditMrs C complained because Lloyds Bank PLC wrote to tell her that it had sold one of her debts to another company.Mrs C had completed an Individual Voluntary Agreement (IVA) in respect of her debts. She complained to Lloyds that it had acted fraudulently in selling on her debt which no longe... (3 pages)View decision -
Decision Reference DRN3999788
14 Mar 2017 Barclays Bank Plc UpheldPayment protection insurance (PPI)Mr S has complained about the way Barclays Bank Plc tried to resolve the mis-selling of a payment protection insurance (PPI) policy.backgroundMr S had a credit card with Barclays. Unfortunately, he fell into financial difficulties, and in 2009 he stopped making payment... (3 pages)View decision
