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 71523 results
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Decision Reference DRN1617271
23 Sep 2015 National Westminster Bank Plc Not upheldBanking and creditMrs F and Mr M complain that National Westminster Bank Plc mis-sold them a mortgagebackground Mrs F and Mr M had an existing mortgage, (the ‘Original Mortgage’), with another lender, the (the “Original Lender”), for a certain sum, (the ‘Original Loan’). In 2010 ... (3 pages)View decision -
Decision Reference DRN9854155
26 Jan 2018 Capital One (Europe) plc UpheldPayment protection insurance (PPI)ComplaintMr C is complaining that Capital One (Europe) plc (“Capital One”) has used the compensation it offered for the mis-selling of a payment protection insurance (“PPI”) policy attached to his credit card, to reduce his outstanding debt with it.backgroundIn 2015, fol... (2 pages)View decision -
Decision Reference DRN5184624
28 Oct 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs D’s representative, a claims management company, complains that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).backgroundMr and Mrs D had a mortgage, which they re-financed on a recommendation from... (2 pages)View decision -
Decision Reference DRN-2203345
7 Oct 2020 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2203345 The complaint Miss M has complained that Cabot Credit Management Group Limited are chasing her for a debt she says she doesn’t owe. What happened In February 2019, Cabot bought this debt from the original owner. They sent a notice of assignment to Miss M. Miss M replied with a ... (2 pages)View decision -
Decision Reference DRN-2685901
16 Apr 2021 Cabot Credit Management Group Limited UpheldConsumer CreditDRN-2685901 The complaint Mr L complains that Cabot Credit Management Group Limited is unfairly refusing to write off an outstanding debt What happened In 2013, Cabot bought Mr L’s debt from a business that I will call “E”. Mr L has been making regular repayments to Cabot through a debt ma... (3 pages)View decision -
Decision Reference DRN7872182
25 Sep 2019 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs H complain that The Royal Bank of Scotland Plc (“RBS”) acted unfairly and unreasonably by declining their mortgage application and then charging an early repayment charge (“ERC”) when they moved to another lender. They want the ERC refunded and confirmation that a particular deb... (2 pages)View decision -
Decision Reference DRN2439089
13 Apr 2015 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr M complained to Capital One (Europe) plc (Capital One) about a payment protection insurance (PPI) policy taken out with a credit card. Capital One used the compensation it offered to reduce the debt Mr M owed on the credit card. Mr M wants Capital One to pay the... (3 pages)View decision -
Decision Reference DRN8236911
3 Feb 2016 Capital One (Europe) plc UpheldPayment protection insurance (PPI)Mr B complained he was mis-sold payment protection insurance (PPI) on a credit card with Capital One (Europe) plc (Capital One) in 2001.backgroundCapital One agreed that Mr B had been mis-sold PPI and it made him an offer in September 2015.Mr B had been under an indiv... (3 pages)View decision -
Decision Reference DRN9046825
12 Jul 2013 Lloyds TSB Bank Plc UpheldBanking and creditMr B complains that Lloyds TSB Bank plc wrote to him directly about a debt which was included in a debt relief order and that it sold the debt to a firm of debt collectors. Mr B is assisted in bringing his complaint by his relative, Miss B. backgroundA debt relief order was made in relat... (2 pages)View decision -
Decision Reference DRN7599641
28 Nov 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr P, represented by a claims management company (CMC), complains that Harrington Brooks (Accountants) Limited did not tell him about the free debt services available when he entered into his debt management plan (DMP). He also complains that distributions to his cred... (2 pages)View decision
