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 DRN-2943707
19 Oct 2021 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-2943707 The complaint Mrs L complains that Lantern Debt Recovery Services Ltd chased her for a debt she says had already been settled. She also complains that Lantern have breached data protection rules. What happened Mrs L had an account with a third-party lender, who I’ll refer to as... (3 pages)View decision -
Decision Reference DRN-1958469
23 Nov 2020 The Co-operative Bank Plc Not upheldConsumer CreditDRN-1958469 The complaint Mr R complains that The Co-operative Bank plc (Co-op) incorrectly placed his loan account with a debt collection agency which led to his mortgage application being declined. What happened Mr R took out a loan with Co-op while he was a student in 2017 and in error ... (2 pages)View decision -
Decision Reference DRN1531665
18 Jan 2018 OPOS Limited Not upheldBanking and creditMiss B complains that a loan she took out with Minicredit that was transferred to Opus Limited (Opus), when Minicredit went into administration was irresponsibly lent and that the charges and interest that have accrued should be refunded to her.background Miss B took ... (3 pages)View decision -
Decision Reference DRN1554844
20 Jun 2019 Bank of Scotland Plc Not upheldBanking and creditMr A is unhappy that he’s being chased for the debt that was left when his property was sold in possession in 2009 by Bank of Scotland plc (trading as Birmingham Midshires).backgroundIn June 2007 Mr A took out a mortgage with Birmingham Midshires. He got into fina... (2 pages)View decision -
Decision Reference DRN0148718
15 Jun 2016 American Express Services Europe Limited Not upheldBanking and creditMr C complains about how American Express Services Europe Limited has handled his request for a debt to be written off. He’s also unhappy with the way it dealt with his complaint.backgroundIn late 2015, Mr C asked both Amex and the agent which was collecting payments ... (2 pages)View decision -
Decision Reference DRN6331655
20 Aug 2014 National Westminster Bank Plc Not upheldBanking and creditMiss M complains about the service provided by National Westminster Bank Plc to a company of which she was a director. She wants a refund of charges made by the bank on the company’s account, and compensation for the time and trouble it has taken her to try and resolve various issues re... (2 pages)View decision -
Decision Reference DRN1493007
23 Jan 2018 Bank of Scotland Plc Not upheldBanking and creditMr F complains that Bank of Scotland plc (trading as Halifax) has transferred his debt to agents to manage.backgroundMr F told us that his circumstances changed suddenly a few years ago. He agreed a repayment plan with Halifax to pay back some money he owed on a ... (4 pages)View decision -
Decision Reference DRN7235221
11 Sep 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs W complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Ltd (“L&G”).backgroundIn 2008 Mr and Mrs W were given advice about re-mortgaging by L&G’s representative.They wanted to reduce ... (5 pages)View decision -
Decision Reference DRN1832051
11 Mar 2021 Ccuk Finance Limited Not upheldBanking and creditMr T complains that his credit card provider, CCUK Finance Limited, sold a debt that he didn’t really owe them, to a third-party company – who’ll I’ll refer to as A. And that CCUK later delayed sending a refund he was owed on to A to clear that debt. He’s also unhappy about a default on hi... (3 pages)View decision -
Decision Reference DRN-4794056
2 Jan 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4794056 The complaint Mr T complains that Barclays Bank UK PLC has pursued him for a guarantee they said he gave to support lending to his business without responding to his many requests for a copy of the signed guarantee. What happened The circumstances of this complaint are fami... (3 pages)View decision
