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 DRN4257330
28 Jun 2013 Black Horse Limited Not upheldBanking and creditMs D complains that Black Horse Limited sold her debt from a credit agreement on to a third party, when she was maintaining an agreed repayment plan.backgroundMs D took out a credit agreement with Black Horse (then Lloyds Bowmaker) in 1998. The money was to pay for replacement windows... (2 pages)View decision -
Decision Reference DRN9356265
31 Mar 2015 Bank of Scotland Plc Not upheldBanking and creditMiss W complains that Bank of Scotland plc (trading as Halifax) is refusing to provide the deed of novation and true certified copies (not photocopies) of the deed of assignment for named accounts after it sold her debts to third party debt collection agencies.back... (1 page)View decision -
Decision Reference DRN-3101920
2 Dec 2021 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3101920 The complaint Mr W complains that HSBC UK Bank Plc (“HSBC”) shouldn’t have charged him interest on repayments to his credit card, following a conversation he had with them. What happened Mr W was on a debt management plan from around October 2019 and he says he was paying no in... (3 pages)View decision -
Decision Reference DRN1622062
9 Mar 2020 Legal & General Partnership Services Limited Not upheldBanking and creditMr H and Ms D complain they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.backgroundMr H and Ms D took advice from L&G when the fixed rate on their previous mortgage was coming to an end.As a result of the advice they re-mor... (2 pages)View decision -
Decision Reference DRN9558796
1 May 2015 Yorkshire Building Society Not upheldBanking and creditMr G complains that Yorkshire Building Society (trading as Norwich & Peterborough Building Society) mis-sold him a loan consolidating his debt which was secured on his home.backgroundMr G took out a mortgage with Yorkshire Building Society in 2004. In January 2008 he ... (2 pages)View decision -
Decision Reference DRN5898916
1 Nov 2018 Link Financial Outsourcing Limited UpheldBanking and creditMr S complains that Link Financial Outsourcing Limited mishandled his debt and failed to honour agreements. backgroundMr S had debt which I believe he thought was being paid by his former girlfriend, but she had left the county and the bank sold the account to Link.... (2 pages)View decision -
Decision Reference DRN7179028
9 Sep 2014 Bank of Scotland Plc Not upheldBanking and creditMiss C complains that Bank of Scotland plc, trading as Halifax took money from her ISA to cover an outstanding credit card debt. She also complains about the lack of communication and general level of service.backgroundMiss C’s original complaint was that the bank took money from her ISA... (2 pages)View decision -
Decision Reference DRN7795519
5 Aug 2014 Capquest Investments Limited Not upheldBanking and creditMr Q complains that Capquest Investments Limited (“Capquest”) unfairly applied a default to his credit file for a debt, for which a county court judgement (“CCJ”) had already been registered on his file by the original creditor. He did not think it fair that Capquest was able to register... (2 pages)View decision -
Decision Reference DRN5125124
23 Jun 2016 Black Horse Limited Not upheldBanking and creditMr L’s unhappy Black Horse Limited (“Black Horse”) sold his debt without getting his consent. He’s also said he wasn’t given the chance to repay the debt before the sale.backgroundIn May 2010 Mr L took a loan from Black Horse. By September 2014 he’d missed some pa... (2 pages)View decision -
Decision Reference DRN6765104
17 Aug 2015 Digital Finance Services UK Limited UpheldBanking and creditMs F is concerned that Digital Finance Services Limited (DFS) is seeking to recover a debt from her, but it’s unable to explain the outstanding balance to her. She is also concerned that the initial loan of £200 has grown to an outstanding balance of over £2,000. Sh... (2 pages)View decision
