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 77095 results
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Decision Reference DRN5001540
20 Aug 2013 Creation Financial Services Limited UpheldBanking and creditMrs D complains that a relatively small credit card debt owed to Creation Financial Services Limited (Creation) has grown hugely. Despite having repaid much more than the original debt over many years, she still owes a large sum. backgroundIt is not in dispute that Mrs D did not make the ... (1 page)View decision -
Decision Reference DRN8576545
11 Dec 2014 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs C complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L & G”).backgroundMr and Mrs C had a mortgage, on a discounted interest rate with a high street lender. In 2005 L & G recommended that th... (4 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 DRN5408621
8 May 2014 Santander UK Plc Not upheldBanking and creditMrs M complains that Santander UK Plc has not treated her fairly, in that it referred her debt to a third party and registered a default on her credit file. She says she has been making payments towards the debt, but that Santander unreasonably continued to apply charges to the account ... (2 pages)View decision -
Decision Reference DRN8244631
19 Sep 2013 MBNA Limited Not upheldBanking and creditMr N complains that his credit record is being unfairly affected by an arrangement plan that he set up six years ago. He says he would have been better off if he had defaulted on his debt, as the default would by now, have been deleted from his records. He wants MBNA Limited to remove r... (2 pages)View decision -
Decision Reference DRN5953551
17 Aug 2015 OPOS Limited Not upheldBanking and creditMs C has complained about two loans she took out. She says the loans were unaffordable. The loans were made by another business and then sold on to OPOS Limited.backgroundThe background is set out in my provisional decision which is attached below and forms part of t... (3 pages)View decision -
Decision Reference DRN6208220
24 Sep 2013 Moorcroft Debt Recovery Limited Not upheldBanking and creditMr A complains that Moorcroft Debt Recovery Limited should not have attempted to collect an outstanding debt from him when he was in dispute with the credit provider. Mr A also says that Moorcroft should not have carried out a search on his credit file, as this has affected his abil... (2 pages)View decision -
Decision Reference DRN2786630
31 Mar 2014 Bank of Scotland Plc Not upheldBanking and creditMr J complains that Bank of Scotland plc is unfairly asking him to pay a debt that should have been cleared by an insurance policy he held. Mr J wants the bank to cancel the debt and for the bank to apologise and refund his costs.backgroundMr J had a loan with the bank and took out a l... (2 pages)View decision -
Decision Reference DRN-2527880
14 Apr 2021 Oplo HL Ltd Not upheldMortgagesDRN-2527880 The complaint Mr and Mrs I complain that OPLO HL Ltd trading as 1st Stop Secured Loans sold them a product with too high an interest rate and they didn’t understand the implications of that. The lender didn’t properly consider their expenditure including childcare costs. What ... (2 pages)View decision -
Decision Reference DRN0097970
30 Aug 2017 National Westminster Bank Plc UpheldBanking and creditMiss S complains that National Westminster Bank Plc (NatWest) has been chasing her for more money than she owes, and this has damaged her credit rating. background Miss S brought a complaint to us in 2015 about a dispute with NatWest. The case involved an overdraft of... (2 pages)View decision