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 71923 results
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Decision Reference DRN2324714
18 Feb 2019 Santander UK Plc Not upheldBanking and creditMr M complains that Santander UK Plc won’t write off a credit card debt he owes despite being aware that he’s suffering from some serious health problems. backgroundMr M opened a credit card with Santander in September 2017 and transferred balances he owed elsewhere t... (2 pages)View decision -
Decision Reference DRN-2026692
6 Jan 2021 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-2026692 The complaint Mr A complains that Lloyds Bank PLC (Lloyds) sent letters relating to his credit card to the wrong address. What happened Mr A had a credit card with Lloyds since 2016. Between April 2019 and September 2019, Lloyds sent six letters to Mr A to say that he had misse... (2 pages)View decision -
Decision Reference DRN0524502
29 Sep 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs W complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Ltd (“L&G”).backgroundIn 2008 Mr and Mrs W were given advice about re-mortgaging by L&G’s representative. The advisor recommended... (3 pages)View decision -
Decision Reference DRN3554230
29 Apr 2019 HSBC UK Bank Plc Not upheldBanking and creditMrs D complains about the amount of interest charged on her credit card issued by HSBC UK Bank Plc (“HSBC”). She says they should show forbearance and waive or reduce the debt as she’s paid more in interest than she’s borrowed.backgroundMrs D has a credit card with H... (3 pages)View decision -
Decision Reference DRN1857357
27 Oct 2016 Capquest Debt Recovery Limited Not upheldBanking and creditMr K’s unhappy that Capquest Debt Recovery Limited’s trying to recover a debt he says has already been settled. backgroundMr K said he arranged through a third party to settle the debt with the original creditor. He says this offer was accepted and the payments m... (1 page)View decision -
Decision Reference DRN5476831
24 Aug 2015 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mrs O complained she was mis-sold a payment protection insurance policy (PPI) with her loan with The Royal Bank of Scotland Plc (RBS).backgroundRBS agreed that Mrs O had been mis-sold PPI and made her an offer of £8,130.82 which was paid on 31 May 2013. RBS said that ... (3 pages)View decision -
Decision Reference DRN6576827
15 Aug 2014 Experto Credite Limited Not upheldBanking and creditMr and Mrs H complain that Experto Credite Limited (“Experto”) incorrectly recorded defaults on their credit files. They ask for compensation to be paid for their time and effort in resolving the problem. They also want Experto to make a payment to them which is equal to the amount pai... (3 pages)View decision -
Decision Reference DRN5242018
8 Aug 2014 Sun Lane Ltd UpheldBanking and creditMr F complains that Sun Lane Ltd did not deliver the debt adjusting service it promised him.backgroundMr F says that he told Sun Lane he would be receiving a lump sum from his divorce and he wanted to use it to settle his debts. He says that Sun Lane agreed to provide a full and final ... (3 pages)View decision -
Decision Reference DRN8683580
25 Aug 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs D complain that they received unsuitable advice to consolidate debt from anappointed representative of Legal & General Partnership Services Limited (L&G).backgroundMr and Mrs D re-mortgaged in 2007. L&G advised them to consolidate an unsecured l... (3 pages)View decision -
Decision Reference DRN8866708
6 Jan 2015 NRAM plc Not upheldBanking and creditMiss K complains that NRAM plc unfairly refused to correct her files with the credit reference agencies. Miss K is represented by her father, Mr J.background Miss K took out a joint “Together” mortgage (which is a mortgage and an unsecured loan) with her partner in 2006. They split u... (4 pages)View decision
