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 70137 results
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Decision Reference DRN-1840317
26 Jun 2020 Bank of Scotland Plc Not upheldConsumer CreditDRN-1840317The complaintMr T complains that Bank of Scotland plc (BoS) incorrectly reported details of a previously settled debt on his credit file. What happenedIn 2010 Mr T entered into a Debt Arrangement Scheme (DAS) after experiencing financial difficulties. The DAS was made up of an o... (2 pages)View decision -
Decision Reference DRN7685528
16 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs S complain, via a claims management company, that an authorised representative of Legal & General Partnership Services Limited (L&G) advised them to consolidate unsecured debt onto a mortgage, which they say was not in their best interests.backgroundMr an... (3 pages)View decision -
Decision Reference DRN0663256
22 Jan 2019 Lowell Financial Ltd Not upheldBanking and creditMrs H complains that a default marker should have been put on her credit file when she wasissued with a default notice in 2008. She says this means the default wouldn’t now show onher file as more than six years have passed since it should have been added.background... (3 pages)View decision -
Decision Reference DRN8912754
31 Oct 2017 DFH Limited Not upheldBanking and creditMr F complains about a debt management plan he had with DFH Limited. He says DFH didn’t tell him he could get debt management services for free elsewhere. He’d like a refund of the fees he has paid DFH.backgroundMr F started his debt management plan with DFH in ... (2 pages)View decision -
Decision Reference DRN-4534401
8 Feb 2024 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4534401 The complaint Miss O complains that Clydesdale Bank Plc trading as Virgin Money unfairly reported a default on her credit card account. Miss O wants Virgin Money to remove the default. What happened Miss O was experiencing financial difficulties and could not keep up with her c... (3 pages)View decision -
Decision Reference DRN0281669
23 Jul 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr L complains that Lloyds TSB Bank Plc (Lloyds) did not give him the full agreed overdraft at the opening of his account, and payments were missed as a result. He says this had a serious effect on his financial circumstances. Mr L would like the bank to amend his credit file and comp... (3 pages)View decision -
Decision Reference DRN9507256
17 Jan 2014 Asset Mortgage Solutions Limited Not upheldBanking and creditMr and Mrs N complain that Asset Mortgage Solutions Ltd – a mortgage broker – recommended a mortgage that was unsuitable for them.backgroundIn 2007, the broker recommended that Mr and Mrs N take a further advance with their existing lender on an interest only basis. The reason for the... (2 pages)View decision -
Decision Reference DRN6802064
1 Feb 2018 Elevate Credit International Limited UpheldBanking and creditMr P complains that he obtained credit and took out loans with Elevate Credit International Limited (trading as Sunny) in 2014 and 2015. He says that he couldn’t afford these loans. Mr P also complains that it wasn’t right for Sunny to pass his debts to a debt collect... (9 pages)View decision -
Decision Reference DRN8977340
25 Feb 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMr D complains about the way that Lowell Portfolio I Ltd handled his dispute about a debt. backgroundThe debt was sold to Lowell in November 2010. In summary, Mr D is unhappy with the way Lovell handled his dispute of the debt.Our adjudicator did not recommend this complaint be upheld... (1 page)View decision -
Decision Reference DRN1202759
5 Sep 2013 MBNA Limited Not upheldBanking and creditMr D complains that MBNA Limited did not honour the terms of a repayment arrangement that he had agreed with it. He said the bank instead wrongly sold his debt to a collections agency which then contacted him from overseas to chase payment, but would not confirm a verbal settlement ag... (2 pages)View decision
