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 70772 results
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Decision Reference DRN7495784
17 Sep 2014 Barclays Bank Plc Not upheldBanking and creditMrs D complained because Barclays Bank PLC is pursuing her for debts on a joint account held with her husband. Mrs D and her husband are in the process of divorcing. Mrs D says that the account was only ever used by her husband, and she wants to be removed from the account, and from ... (3 pages)View decision -
Decision Reference DRN-4858590
4 Dec 2024 Oakwood Homeloans Limited UpheldMortgagesDRN-4858590 The complaint Mr P complains that Oakwood Homeloans Limited is pursuing him for outstanding debt following the repossession and sale of his buy-to-let properties in 2016. The mortgages were secured against the properties but the sales left a shortfall that remains outstandin... (5 pages)View decision -
Decision Reference DRN2656438
23 Apr 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditThis complaint is about a flexible mortgage Mr and Mrs D hold with The Royal Bank of Scotland Plc trading as The One Account. Mr and Mrs D complain that The One Account changed the flexible element of the mortgage from a level facility to a reducing facility. They al... (2 pages)View decision -
Decision Reference DRN-3241680
3 Mar 2022 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-3241680 The complaint Mr C complains Cabot Credit Management Group Limited (“Cabot”) is unfairly holding him liable for three debts it purchased as they were taken out fraudulently. To put things right, Mr C wants Cabot to return all payments made to it from his account as he didn’t au... (3 pages)View decision -
Decision Reference DRN-2651245
23 Apr 2021 Debt Managers (Services) Limited UpheldConsumer CreditDRN-2651245 The complaint Mr W complains that Debt Managers (Services) Limited (DMSL) is chasing him for a debt that isn’t his. What happened In November 2019 DMSL acquired a debt in the same name as Mr W. DMSL was unable to get in contact with the borrower using the details provided by t... (2 pages)View decision -
Decision Reference DRN-5126624
2 Dec 2024 The Royal Bank of Scotland Plc UpheldMortgagesDRN-5126624 The complaint Ms H complains that The Royal Bank of Scotland Plc (RBS) asked her to pay a mortgage loan she says she knew nothing about. What happened In 2023, Ms H was contacted by RBS. It was seeking payment of a mortgage taken out in the mid-1980s. It said that the loan h... (3 pages)View decision -
Decision Reference DRN-4319391
16 Oct 2023 National Westminster Bank Plc Not upheldConsumer CreditDRN-4319391 The complaint Mr C complains that National Westminster Bank Plc (‘NatWest’) irresponsibly gave him two loans that he couldn’t afford. What happened On 10 September 2021 Mr C asked for and was given a loan for £5,000 which had a term of 24 months. The purpose of the loan was to ... (3 pages)View decision -
Decision Reference DRN-2452778
17 Feb 2021 Shoosmiths LLP UpheldConsumer CreditDRN-2452778 The complaint Mrs S complains that Shoosmiths LLP unfairly issued court proceedings in order to recover a debt she owed. She wants the proceedings to be withdrawn and any additional costs waived. What happened Mrs S tells us that she owes a debt to a business I’ll refer to as ”... (3 pages)View decision -
Decision Reference DRN2457885
9 May 2017 Paragon Finance Plc Not upheldBanking and creditMr C complains Paragon Finance PLC trading as Moorgate Loan Servicing (“Moorgate”) are reporting incorrect information for his account to Credit Reference Agencies (CRA’s).backgroundIn September 2012 Moorgate bought Mr C’s account from another bank. That account, whilst w... (2 pages)View decision -
Decision Reference DRN-5070669
16 Oct 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5070669 The complaint Mr R complains that Vanquis Bank Limited irresponsibly agreed credit for him. What happened Vanquis opened a credit card account for Mr R in February 2019 with a £1,000 credit limit. Mr R didn’t meet his repayments and the account was passed to a third party d... (5 pages)View decision
