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 74386 results
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Decision Reference DRN-3377617
20 Apr 2022 Clarkewood Limited UpheldClaims ManagementDRN-3377617 The complaint Ms R’s complained that Clarkewood Limited have chased her for payment of a success fee in relation to recovering mis-sold payment protection insurance (PPI) – but she doesn’t believe she ever instructed them. What happened In mid-2021, Ms R was being contacted dai... (2 pages)View decision -
Decision Reference DRN-3464412
1 Sep 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3464412 The complaint Mr J complains that Bank of Scotland plc trading as Halifax (“Halifax”) irresponsibly increased his credit card limit when he was struggling with his finances. What happened Mr J applied for and was provided with a Halifax credit card account in 2009. Halifax agre... (4 pages)View decision -
Decision Reference DRN3676781
17 Oct 2014 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs F’s representative complains that they were mis-sold a mortgage by an authorised representative of Legal & General Partnership Services Limited (“L&G”).backgroundIn 2005 L&G arranged a remortgage for Mr and Mrs F. The new mortgage was for around £40,000 over nine... (3 pages)View decision -
Decision Reference DRN8792621
15 Apr 2019 Barclays Bank UK PLC Not upheldBanking and creditBarclays Bank UK PLC won’t write off the amount Mr M owes on a credit card.backgroundMr M asked Barclays to write the amount off because his financial circumstances were such that he didn’t feel he could ever repay it. Barclays looked at Mr M’s income and expense... (3 pages)View decision -
Decision Reference DRN9099229
29 Aug 2014 R. Raphael & Sons Plc Not upheldBanking and creditMr F complains R. Raphael & Sons Plc (trading as Monument) paid a refund of charges to his account instead of to him directly .backgroundMr F had a credit card account with Monument. He paid for a payment break plan (PBP) which he later complained to Monument was mis-sold. Monum... (1 page)View decision -
Decision Reference DRN5391027
16 Nov 2017 BPO Collections Limited Not upheldBanking and creditMr D is unhappy that BPO Collections Limited (“BPO”) continued to seek repayment for a debt after it was disputed. backgroundBPO are acting as debt collectors on behalf of another business, for a debt relating to a credit card which defaulted in 2012. Mr D dispute... (2 pages)View decision -
Decision Reference DRN2268029
7 Nov 2017 PRA Group (UK) Limited Not upheldBanking and creditMr H complains that PRA Group (UK) Limited hasn’t given him any evidence it bought his credit card debt or details of how much it paid for the debt.backgroundMr H had a credit card debt. He says PRA says it now owns the debt, but will not provide him with the... (2 pages)View decision -
Decision Reference DRN1679211
13 Aug 2013 Bank of Scotland Plc Not upheldBanking and creditMs A complains that Bank of Scotland plc (trading as Halifax) has not frozen interest charges and fees on her credit card account that she is currently repaying under a debt management plan, and that consequently, the debt will not be repaid in her lifetime. background In 2012, Ms A ... (2 pages)View decision -
Decision Reference DRN5858418
31 Jul 2013 Ruthbridge Limited Not upheldBanking and creditMr D complains that Ruthbridge Limited (Ruthbridge) has wrongly pursued him for a debt which he says he does not owe. He says he has been the victim of stolen identity and would like Ruthbridge to stop contacting him about the debt. Ruthbridge had taken over the debt from a third party... (1 page)View decision -
Decision Reference DRN1487274
31 Jul 2013 Mackenzie Hall Limited Not upheldBanking and creditMr D complains that Mackenzie Hall Limited (“Mackenzie Hall”) has wrongly pursued him for a debt which he says he does not owe. He says he has been the victim of stolen identity and would like the business to stop contacting him about the debt. Mackenzie Hall had the debt referred to it... (1 page)View decision
