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 DRN2685146
13 Sep 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr and Mrs C complain that Lloyds TSB Bank Plc irresponsibly provided them with further credit through their current account, credit card and two personal loans. They also complain that Lloyds TSB did not respond positively and sympathetically to their financial difficulties, and that t... (2 pages)View decision -
Decision Reference DRN0414194
21 Sep 2015 National Westminster Bank Plc UpheldBanking and creditMr S complains that National Westminster Bank Plc pursued him for debts he says he does not owe. He also objects to the bank contacting his seriously ill daughter to trace him.backgroundMr S says that in December 2013 NatWest phoned his daughter to find out where h... (2 pages)View decision -
Decision Reference DRN5889488
22 Sep 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMr C complains that Lowell Portfolio I Ltd (Lowell) is wrongly chasing him for a debt and has incorrectly and unlawfully reported adverse information on his credit file.our initial conclusionsLowell bought Mr C’s debt from the original credit provider in May 2014 and it wrote to ... (2 pages)View decision -
Decision Reference DRN2925992
21 Jul 2016 Moneyplus Group Limited Not upheldBanking and creditMr K complains that MoneyPlus Group Limited, (“MGL”), didn’t act fairly when it took over his debt management plan in August 2014. The complaint is brought to this service on Mr K’s behalf by a claims management company. But for ease, I shall refer below to all acti... (3 pages)View decision -
Decision Reference DRN-4281561
3 Aug 2023 Pareto Financial Planning Limited Not upheldPensions and AnnuitiesDRN-4281561 The complaint Mr E complains that he was given unsuitable advice by Pensionhelp Limited to transfer deferred benefits from his Defined Benefit (DB) pension with British Steel (BSPS) to a personal pension. At the time of the advice Pensionhelp was an appointed representative of ... (6 pages)View decision -
Decision Reference DRN0063536
26 Apr 2019 Barclays Bank UK PLC Not upheldBanking and creditMiss G complains that Barclays Bank UK PLC (“Barclays”) is pursuing her for repayment of a debt that she thinks is satisfied.backgroundMiss G has a bank account with Barclays. During 2015, she began to use her overdraft and go over the overdraft limit regularly. Ba... (3 pages)View decision -
Decision Reference DRN8076730
1 Apr 2019 The Royal Bank of Scotland Plc Not upheldBanking and creditMr S complains that a credit agreement he has with The Royal Bank of Scotland Plc, trading as MINT, (“RBS”), is not enforceable. He also complains about RBS charges and communication in relation to his financial difficulty and debt. Mr S is represented in this complai... (3 pages)View decision -
Decision Reference DRN8192938
27 Nov 2014 HFC Bank Limited Not upheldPayment protection insurance (PPI)Mr A complained about PPI taken out in 1994 at the same time as his credit card. HFC Bank Limited (HFC) has offered a goodwill payment to compensate Mr A for the cost of the PPI. Mr A has not accepted this offer and brought his complaint to this service. background In 1994 Mr A took ... (2 pages)View decision -
Decision Reference DRN4164610
8 Aug 2018 HSBC Bank plc Not upheldBanking and creditMs B has written to us about a joint account she and her ex-husband set up with HSBC Bank Plc. The court order from their divorce says that Ms B and her ex-husband agree to be liable for half of the debt each and the account should then be closed. Ms B is unhappy... (2 pages)View decision -
Decision Reference DRN-4634765
20 Mar 2024 NCO Europe Limited UpheldConsumer CreditDRN-4634765 The complaint Mr M complains about NCO Europe Limited’s actions when trying to recover a debt in his name. What happened Mr M complains that despite being made aware he’s vulnerable and suffers with serious mental health difficulties NCO has continued to correspond with him ins... (3 pages)View decision
