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 DRN3615237
4 Aug 2016 Capital One (Europe) plc UpheldPayment protection insurance (PPI)Miss M is complaining about the way Capital One (Europe) plc has administered her credit card account.backgroundMiss M opened a credit card account with Capital One, then known as Capital One Bank (Europe) plc, in 2003. She also took out a payment protection insurance... (3 pages)View decision -
Decision Reference DRN5161388
12 Mar 2020 Paragon Finance Plc Not upheldBanking and creditMr P complains that Paragon Finance Plc (trading as ‘Idem Servicing’) wrongly reported to Credit Reference Agencies that he’d missed payments on his account. backgroundParagon purchased Mr P’s credit card debt from a third party in March 2012. At this time Mr P was in a debt management pla... (3 pages)View decision -
Decision Reference DRN-2657126
30 Apr 2021 NCO Europe Limited Not upheldConsumer CreditDRN-2657126 The complaint Mr N complains NCO Europe Limited are harassing and intimidating him into repaying debts for two accounts that are unenforceable. The debts are owned by another company, but as Mr N’s concerns relate to NCO I’ve mainly referred to them in this decision. What happe... (3 pages)View decision -
Decision Reference DRN7148601
6 Nov 2013 National Westminster Bank Plc Not upheldBanking and creditMr S complains that National Westminster Bank Plc (“NatWest”) is holding him liable for an overdraft on the business account of his former limited company. background Mr S asked the bank to cancel the personal guarantee he had previously signed against a business current account. The ba... (2 pages)View decision -
Decision Reference DRN-4789247
8 Jul 2024 1plus1 Loans Limited UpheldConsumer CreditDRN-4789247 The complaint Miss R, through her representative, complains that 1Plus1 Loans Limited (1Plus1) lent to her when she could not afford it and she says 1Plus1 only approved the loan because of the guarantor it required before lending. What happened Miss R applied for a loan of £1,... (8 pages)View decision -
Decision Reference DRN4760448
3 Jun 2016 Fairways Financial Services Limited Not upheldBanking and creditMr A and Mr H complain of unsuitable mortgage advice from Fairways Financial Services Limited (Fairways).backgroundMr A and Mr H’s repayment mortgage had a monthly payment of £1,350.00. They were also paying about £500.00 per month towards their credit card debts, abo... (1 page)View decision -
Decision Reference DRN9942767
26 Feb 2014 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs H complain that Bank of Scotland plc has not responded to their financial difficulties properly and that it has pursued them aggressively for repayment of a business debt.backgroundMr and Mrs H had a business overdraft with Bank of Scotland. They experienced financial diffic... (2 pages)View decision -
Decision Reference DRN1781231
2 Jul 2018 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr C isn’t happy with how Capital One (Europe) plc (‘Capital One’) has resolved his complaint about a payment protection insurance (‘PPI’) policy attached to a credit card. backgroundMr C had a PPI policy attached to a credit card that was sold in 2000.Mr C entered... (3 pages)View decision -
Decision Reference DRN1210970
24 May 2018 Acenden Limited Not upheldBanking and creditMr and Mrs A complain about charges which they say were wrongly applied to their secured loan account. The lender has appointed Acenden Limited to administer the loan and authorised it to respond on its behalf. Mr and Mrs A ask that the charges are refunded so that... (4 pages)View decision -
Decision Reference DRN8357268
19 Dec 2019 NRAM Limited Not upheldBanking and creditMr and Mrs W complained about NRAM Limited. Their property was possessed in April 2007 and later sold. They say NRAM didn’t tell them that there wasn’t enough money to pay off their mortgage until October 2018. Mr and Mrs W believe this means they aren’t liable for the debt, and they want... (3 pages)View decision
