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 DRN9988448
28 Nov 2013 The Royal Bank of Scotland Plc Not upheldBanking and creditMr M and Mr N complain that The Royal Bank of Scotland Plc forced them to take personal responsibility for a loan that was for the benefit of another company and should have been transferred to that company. They want the bank to write off that element of their current debts.backgroun... (2 pages)View decision -
Decision Reference DRN-3791993
24 Mar 2023 Step One Finance Limited UpheldMortgagesDRN-3791993 The complaint Mrs F complains about a secured loan which was taken out fraudulently in her name with Step One Finance Limited. She says Step One shouldn’t have granted the loan as it didn’t do proper checks on the application, and it gave her false and misleading information wh... (3 pages)View decision -
Decision Reference DRN8269091
15 Mar 2016 TSB Bank plc UpheldBanking and creditMr B complains that, despite twice agreeing to remove a default from his credit file, TSB Bank plc still hasn’t done it.backgroundIn 2014 Mr B disputed some transactions on his account, which TSB refunded. It then reversed these, which took the account over its overdraft... (2 pages)View decision -
Decision Reference DRN3230453
26 Aug 2015 Metropolitan Collection Services Limited Not upheldBanking and creditMr W complains that Metropolitan Collection Services Limited should stop pursuing him for a debt on one of his accounts as he does not owe it.our initial conclusionsOur adjudicator did not recommend that that this complaint should succeed.Metropolitan accepted this reco... (3 pages)View decision -
Decision Reference DRN1493007
23 Jan 2018 Bank of Scotland Plc Not upheldBanking and creditMr F complains that Bank of Scotland plc (trading as Halifax) has transferred his debt to agents to manage.backgroundMr F told us that his circumstances changed suddenly a few years ago. He agreed a repayment plan with Halifax to pay back some money he owed on a ... (4 pages)View decision -
Decision Reference DRN0080969
10 Dec 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr R complains that The Royal Bank of Scotland plc (RBS) recorded a default on his current account without telling him.backgroundMr R said he applied for a mortgage but realised RBS had recorded a default on his credit file in December 2014. He said his RBS account ... (2 pages)View decision -
Decision Reference DRN4240787
16 Jan 2015 Motormile Finance UK Limited Not upheldBanking and creditMr G complains that Motormile Finance UK Limited are pursuing and harassing him for a debt which it has not proved that he owes.backgroundIn summary, Mr G says that Motormile is constantly texting and calling him. He says that it has not proved he is liable for the debt and he wants c... (2 pages)View decision -
Decision Reference DRN8900889
5 Sep 2017 Paragon Finance Plc UpheldBanking and creditMrs B complains that Paragon Finance Plc (trading as Idem) caused her significant distress when they chased her about a debt her ex husband had been paying for them both. backgroundMrs B had joint loans with her ex husband Mr B. He’d been paying the debts over the... (2 pages)View decision -
Decision Reference DRN1794683
7 Dec 2015 Bank of Scotland Plc Not upheldBanking and creditMr C complained because he believed Bank of Scotland plc (BoS), misled him about whether or not the organisation chasing his debt were solicitors.backgroundMr C had a credit card with BoS, which defaulted in 2009. He received letters about the debt, which were headed w... (2 pages)View decision -
Decision Reference DRN-2275096
22 Dec 2020 Moorcroft Debt Recovery Limited Not upheldConsumer CreditDRN-2275096 The complaint Mr H complains about the way in which Moorcroft Debt Recovery Limited is chasing him for a debt. He says he feels threatened by the letters it sent him and wants it to stop its aggressive policies. What happened Mr H tells us that in January 2020 he received a let... (3 pages)View decision
