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 DRN8505160
17 Jun 2014 MBNA Limited Not upheldBanking and creditMr G had a credit card account with MBNA Limited. He complains it sold this account to a company which didn’t have a consumer credit licence. He doesn’t know who he should now be paying.backgroundMr G went into default on his credit card account with MBNA. It sold the account. MBNA i... (2 pages)View decision -
Decision Reference DRN5802693
25 Feb 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs G complain that The Royal Bank of Scotland Plc (“RBS”) is pursuing them for a liability that they believed had been dealt with in their bankruptcy.background Mr and Mrs G became bankrupt in 2010 and were discharged from bankruptcy in 2011. In 2012, RBS made demand on Mr and... (3 pages)View decision -
Decision Reference DRN7634642
12 Sep 2013 MBNA Limited UpheldBanking and creditMr R is represented by his father. Mr R complains that MBNA Limited have not produced evidence of the amount of money he owes, and after being advised that he was suffering from financial difficulties and mental health issues, continued to write to him rather than his representative, and ... (3 pages)View decision -
Decision Reference DRN-1819432
8 Jul 2020 Liverpool Victoria Insurance Company Limited Not upheldInsuranceThe complaint Mr and Mrs D are unhappy with Liverpool Victoria Insurance Company Limited's (LV) handling of the renewal of their buildings and contents insurance policy. What happened Mr and Mrs D had a buildings and contents insurance policy with LV that was due for renewal in ear... (2 pages)View decision -
Decision Reference DRN1997754
7 Aug 2019 Legal & General Partnership Services Limited Not upheldBanking and creditMr L complains about advice he was given by AWD Home Finance Limited, a broker and appointed representative of Legal & General Partnership Services Limited. He says he was mis-sold a mortgage. A complaints management company (CMC) has brought this complaint on behalf of Mr L.background... (2 pages)View decision -
Decision Reference DRN-3824816
28 Nov 2022 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-3824816 The complaint Mr M complains Cabot Credit Management Group Limited trading as Cabot have treated him unfairly when attempting to collect debts he has with them. What happened I previously issued a provisional decision setting out what’d happened, and my thoughts on that. I’ve c... (5 pages)View decision -
Decision Reference DRN5389552
13 Jun 2017 Motormile Finance UK Limited Not upheldBanking and creditMr L complains that Motormile Finance UK Limited is chasing him for repayment of a debt which he says he disputed. He says Motormile recorded a default on his credit file and delayed replying to his complaint. He wants the default removed and the debt written off.ba... (2 pages)View decision -
Decision Reference DRN6991179
9 May 2016 Santander UK Plc Not upheldBanking and creditMrs H’s complaint is that Santander UK Plc has unfairly pursued her for payment of two credit card debts. She says that Santander hasn’t been able to provide the original credit agreements for either account.Mrs H also says that Santander has incorrectly sent letters ab... (4 pages)View decision -
Decision Reference DRN5791836
25 Apr 2018 BW Legal Services Limited Not upheldBanking and creditMs S has complained that BW Legal Services Limited (“BW Legal”) entered information incorrectly onto her credit file, as well as carrying out an unnecessary soft trace. She has also complained about the service provided. At the time BW legal were acting as debt collec... (3 pages)View decision -
Decision Reference DRN8534547
5 Sep 2013 Bank of Scotland Plc Not upheldBanking and creditMr L complains that Bank of Scotland Plc (trading as Halifax) is pursuing him for a debt that he knows nothing about, and which it cannot prove he owes.backgroundThe debt that Halifax is asking Mr L to repay is on a current account in his name. It says that the debt was first created w... (2 pages)View decision
