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 69943 results
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Decision Reference DRN4604086
8 Feb 2018 Cabot Credit Management Group Limited UpheldBanking and creditMr M complains that on a number of occasions Cabot Credit Management Group Limited t/a Cabot Financial (Europe) Limited gave him confusing information about whether he still owed money or notbackground Mr M borrowed money from a third party company. Some time later his d... (2 pages)View decision -
Decision Reference DRN3325379
29 Oct 2015 Haydon Associates Debt Management Consultants Ltd UpheldBanking and creditMr and Mrs J have complained that Haydon Associates Debt Management Consultants Ltd put them in a debt reduction plan (DRP), when they believed they were entering into a debt management plan (DMP).backgroundMr and Mrs J entered into a DRP with Haydon. Under this plan, ... (2 pages)View decision -
Decision Reference DRN7573530
13 Jul 2017 Barclays Bank Plc Not upheldBanking and creditMs R is unhappy about how Barclays Bank Plc dealt with the debt on her credit card account.backgroundMs R contacted Barclays asking questions about her debt management arrangements. Barclays had decided to sell on Ms R’s debt to another business. Ms R said she wante... (2 pages)View decision -
Decision Reference DRN4042406
19 Sep 2014 NRAM plc Not upheldBanking and creditMrs M complains that Northern Rock (Asset Management) plc (NRAM) acted irresponsibly when it agreed to provide a mortgage and unsecured loan to her and her then husband.backgroundMrs M and her ex-husband applied for a mortgage and associated unsecured loan from Northern Rock in 2005. The... (2 pages)View decision -
Decision Reference DRN2977705
3 Jun 2013 The Royal Bank of Scotland Plc Not upheldBanking and creditMr N complains that a personal loan was mis-sold to him by The Royal Bank of Scotland Plc (‘RBS’) as he was told it would guarantee his mortgage application, which was subsequently declined. Mr N said the mortgage was declined on incorrect information about his credit card debt.backgroun... (2 pages)View decision -
Decision Reference DRN6682683
10 Oct 2014 Lowell Portfolio I Ltd Not upheldBanking and creditMrs A complains that Lowell Portfolio I Ltd is chasing her for a debt that does not belong to her. She is also unhappy about how she has been treated since she asked for evidence of the debt. our initial conclusionsThe adjudicator recommended that the complaint should be upheld ... (2 pages)View decision -
Decision Reference DRN3827903
3 Mar 2016 The Co-operative Bank Plc Not upheldBanking and creditMr A complains that The Co-operative Bank Plc (“Co-op”) sold his debt, and won’t buy it back. backgroundMr A held a credit card account with Co-op, on which he defaulted. A five-year repayment plan was then agreed, subject to periodic review, at the end of which Co-o... (2 pages)View decision -
Decision Reference DRN9731708
18 Nov 2016 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr M is unhappy with how Royal Bank of Scotland Plc (RBS) has used the compensation it offered to settle his complaint about the mis-sale of a number of payment protection insurance (PPI) policies.backgroundMr M complained about PPI sold to him with a number of loans... (3 pages)View decision -
Decision Reference DRN5470301
20 May 2013 National Westminster Bank Plc Not upheldBanking and creditsummary of complaintMrs E complains that National Westminster Bank Plc put undue pressure on her to settle the debts of a family member after she told it the family member was terminally ill. She wants it to give her back her money.background I set out the background of this complaint ... (3 pages)View decision -
Decision Reference DRN7236165
14 May 2014 HFC Bank Limited UpheldPayment protection insurance (PPI)Mr J brought his complaint to this service as he was unhappy with the way HFC Bank Limited (“HFC”) had indicated it would refund the compensation it had offered for a mis-sold PPI policy. HFC later made further offers and Mr J became confused as to how HFC had calculated the different fi... (4 pages)View decision
