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 69825 results
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Decision Reference DRN4818031
8 Apr 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMr G complains that Lowell Portfolio I Ltd pursued him over a number of years for a debt that was not his.background Mr G says that Lowell pursued him for a debt despite him telling it that the debt was not his. He says that the person whose debt it was had a differe... (2 pages)View decision -
Decision Reference DRN5889434
19 Mar 2015 HSBC Bank plc Not upheldBanking and creditMr G complains that HSBC Bank plc failed to refund unauthorised payments taken from his current account and unfairly applied account charges. backgroundMr G took a short-term loan and says that the short-term lender wrongly took repayments from his current account with HS... (3 pages)View decision -
Decision Reference DRN3706031
11 Jul 2013 Barclays Bank Plc Not upheldBanking and creditMr M complains about the actions of a debt collector, Mercers, that was appointed by, and was working on behalf of, Barclays Bank Plc. He says they violated his privacy by claiming to have an agreement with him and he also believes the Data Protection Act was breached. backgroundT... (1 page)View decision -
Decision Reference DRN3665996
26 Nov 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMr O complains that Lowell Portfolio I Limited, (“LPL”), pursued him for a debt that he believed he’d already settled, and that it should have responded to his communications. If it had, he said that it would have been unnecessary for LPL to issue court proceedings ... (2 pages)View decision -
Decision Reference DRN-5010226
9 Sep 2024 Oodle Financial Services Limited UpheldConsumer CreditDRN-5010226 The complaint Mr D complains about the way Oodle Financial Services Limited, trading as Oodle Car Finance, (“Oodle”) managed the end of his contract when he voluntarily terminated a car finance agreement. What happened Mr D entered into a hire agreement with Oodle for a use... (3 pages)View decision -
Decision Reference DRN-4266377
17 Aug 2023 Lowell Financial Ltd Not upheldConsumer CreditDRN-4266377 The complaint Mr P complains about a default recorded on his credit file by Lowell Financial Ltd. What happened In November 2022 Lowell purchased a debt from a business I’ll call B, with an outstanding balance of £1,002.73. Lowell says the debt was purchased in Mr P’s name and ... (2 pages)View decision -
Decision Reference DRN2516348
5 Mar 2015 Black Horse Limited Not upheldBanking and creditUnder the rules of the Financial Ombudsman Service, I am required to ask Ms K either to accept or reject my decision before 7 April 2015. Gerard McManus ombudsman at the Financial Ombudsman ServicecomplaintMs K complains that she reached an agreement with Black Horse Limited whi... (2 pages)View decision -
Decision Reference DRN6573117
21 Nov 2018 Creation Consumer Finance Ltd Not upheldBanking and creditMr B complains that he has not received the service he should have in regard to the collection of his debt from a fixed sum loan agreement he took out with Creation Consumer Finance Ltd in 2011.backgroundMr B entered into a fixed sum loan agreement with Creation in Sep... (2 pages)View decision -
Decision Reference DRN7143007
21 Feb 2020 Barclays Bank UK PLC Not upheldBanking and creditMrs H complains that Barclays Bank UK PLC, trading as Barclaycard, sold her credit card debt onto a third party, when she had made it aware that she was having difficulties financially and personally. In bringing her complaint, Mrs H is represented by Mrs K.backgroundIn 2011, Mrs H had a B... (3 pages)View decision -
Decision Reference DRN-5174917
27 Nov 2024 Somerset Bridge Insurance Services Limited UpheldInsuranceDRN-5174917 The complaint Mr N complains about the way Somerset Bridge Insurance Services Limited trading as Go Skippy Insurance (“SB”) handled his policy cancellation. What happened Mr N took out insurance through SB in July 2023. In November 2023, Mr N got a change of vehicle quote f... (5 pages)View decision
