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-4648436
25 Mar 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4648436 The complaint Mr M complains that HSBC UK Bank Plc won’t return a payment to him which credited his closed account in error. What happened Mr M says he had an issue with a third party mobile phone provider, and he was due a refund of £338. He says they should have paid this mon... (3 pages)View decision -
Decision Reference DRN-5186894
10 Feb 2025 Bank of Scotland Plc Not upheldMortgagesDRN-5186894 The complaint Mr and Mrs M complain that Bank of Scotland plc continue to pursue them for a mortgage debt after Mr M’s bankruptcy. What happened Mr and Mrs M have had a joint mortgage with Bank of Scotland (BoS) for some time. In 2012, Mr M was declared bankrupt. He was late... (3 pages)View decision -
Decision Reference DRN3471212
7 Oct 2015 Cabot Financial (Europe) Limited Not upheldBanking and creditMr R complains that he’s being chased by Cabot Financial (Europe) Limited for a debt that’s been satisfied. And he’s unhappy about the connected negative entry on his credit file. He’s also unhappy that a note has been put on his credit file linking him to an address... (4 pages)View decision -
Decision Reference DRN7588931
26 Jul 2016 Santander UK Plc UpheldBanking and creditMr W says Santander UK Plc has continued to contact him about a debt that was included in his bankruptcy. He asks for £2,500 for the trouble and upset this has caused over seven years. background Mr W filed for bankruptcy in April 2009. One of the debts included ... (2 pages)View decision -
Decision Reference DRN9162589
9 Jun 2015 Teachers' Building Society Not upheldBanking and creditMr and Mrs S complain that Teachers’ Building Society (TBS) is unfairly refusing to transfer their existing mortgage to a new property they want to buy. They say that this is a combination of discrimination because of their age and a refusal to accept that Mr and Mrs ... (3 pages)View decision -
Decision Reference DRN4299965
29 May 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs B complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).backgroundActing on the recommendation of L&G’s adviser, Mr and Mrs B re-mortgaged. They changed their repayment mo... (3 pages)View decision -
Decision Reference DRN7194240
18 Dec 2014 Lowell Financial Ltd UpheldBanking and creditMr T complains that Lowell Financial Ltd contacted him about a debt that it had been established he was not responsible for and has placed negative information on his credit file.backgroundIn August 2010, Mr T received a letter from Lowell saying it had bought a debt that he owed to a ... (2 pages)View decision -
Decision Reference DRN-3261172
19 Jan 2022 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3261172 The complaint Mr G complains that Moneybarn No. 1 Limited trading as Moneybarn irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In August 2017, Mr G acquired a used car financed by a conditional sale agreement from Moneybarn. Mr ... (3 pages)View decision -
Decision Reference DRN9808173
9 May 2019 Scottish Friendly Assurance Society Limited Not upheldBanking and creditThis complaint’s about a consolidation re-mortgage Mr and Mrs B took out in 2006 on advice given by a representative of a business that is no longer trading. Responsibility for its activities has been taken on by Scottish Friendly Assurance Society Limited (“SF”) Mr a... (3 pages)View decision -
Decision Reference DRN2649229
21 Dec 2017 Commercial Associates Limited Not upheldBanking and creditMs D is unhappy Commercial Associates Limited (CAL) pursued her for a debt in respect of a vehicle she hired from it. She also says she was pressurised to hire the vehicle. backgroundMs D needs a specialised vehicle for her business which she hired from CAL, agree... (3 pages)View decision
