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 DRN4072944
15 Jul 2019 Bank of Scotland Plc Not upheldBanking and creditBank of Scotland plc sold Mr E’s account to a debt collection agency. It later told him it had sent the wrong figure, but it had put it right. Mr E is complaining because he wants:-more compensation than Bank of Scotland has given him, and -the details changed on his County Court Judgmen... (3 pages)View decision -
Decision Reference DRN9430779
26 Mar 2020 Paragon Finance Plc Not upheldBanking and creditMiss J complains via her professional representative that Paragon Finance PLC, trading as Idem Servicing (Idem) have incorrectly reported late payment markers to her credit file.BackgroundMiss J had a credit card account with her bank. Miss J’s circumstances changed, and she began to strug... (3 pages)View decision -
Decision Reference DRN-4273539
25 Oct 2023 Liverpool Victoria Insurance Company Limited UpheldInsuranceDRN-4273539 The complaint Mr M complains Liverpool Victoria Insurance Company Limited (LV) unfairly recorded a debt on his credit file after it cancelled his motor insurance policy. And after he settled the balance it failed to update his credit file with this information. What happened Mr... (3 pages)View decision -
Decision Reference DRN1889937
9 May 2014 Barclays Bank Plc Not upheldBanking and creditMr and Mrs S complain that Barclays Bank Plc recorded a default on their credit files, even though they made payments on a debt repayment plan. Barclays had also not amended the credit files correctly when Mr and Mrs S eventually paid off the outstanding balance. Mr and Mrs S would like... (2 pages)View decision -
Decision Reference DRN0104963
22 Mar 2017 Ulster Bank Ltd Not upheldBanking and creditMr L complains that Ulster Bank Ltd refused to accept an offer of £21,000 in full and final settlement of a debt he has with them. He is also unhappy that they haven’t provided him with the original loan agreement and he questions the validity of charges Ulster ... (2 pages)View decision -
Decision Reference DRN8358407
23 Aug 2016 Blue Finance Management Limited UpheldBanking and creditMr K complains that Blue Finance Management Limited trading as Debtplan Direct signed him up to a debt reduction plan without telling him the costs or what his other options were. He says he ended up taking longer to pay off his debts and wants the fees he’s paid... (2 pages)View decision -
Decision Reference DRN7765931
13 Aug 2015 HSBC Bank plc Not upheldBanking and creditMr L complains that HSBC Bank plc unfairly registered a small debt against his name without his knowledge, resulting in his credit score being badly affected.background Three debit card transactions for foreign road tolls were made on Mr L’s account, totalling £93.65.... (3 pages)View decision -
Decision Reference DRN2396014
22 May 2014 Link Financial Limited UpheldBanking and creditMr B complains about Link Financial Limited pursuing him for a debt that is not his. He is unhappy that Link has asked him to repay the debt and that it attempted to put a charging order on his property.backgroundThe background to this complaint, and my initial conclusions, were set out... (6 pages)View decision -
Decision Reference DRN-4858590
4 Dec 2024 Oakwood Homeloans Limited UpheldMortgagesDRN-4858590 The complaint Mr P complains that Oakwood Homeloans Limited is pursuing him for outstanding debt following the repossession and sale of his buy-to-let properties in 2016. The mortgages were secured against the properties but the sales left a shortfall that remains outstandin... (5 pages)View decision -
Decision Reference DRN3565594
14 Sep 2015 Baines & Ernst Limited Not upheldBanking and creditMr L had a debt management plan (DMP) with Baines & Ernst Limited. He complains that it allocated his payments to the wrong account. So a county court judgment (CCJ) was issued against his wife. And a charging order may be issued against his home.backgroundMr L a... (2 pages)View decision
