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 74313 results
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Decision Reference DRN1962158
19 Dec 2013 The Royal Bank of Scotland Plc Not upheldBanking and creditMr T complains that The Royal Bank of Scotland plc (“RBS”) has not written off a debt that Mr T says it had agreed to write off. Mr T also says the debt should be statute barred.backgroundThe debt Mr T has with RBS was passed to external recovery agents in mid 2005. Since then it app... (2 pages)View decision -
Decision Reference DRN5920215
6 Apr 2017 MBNA Limited Not upheldBanking and creditMr B complains, in summary, that MBNA Limited acted unfairly in pursuing him for a debt and in selling the debt to a third party when it was aware that the debt was disputed.backgroundMr B opened a MBNA credit card account in June 2001. The account fell into arrea... (4 pages)View decision -
Decision Reference DRN9093323
15 Jan 2014 Harrington Brooks (Accountants) Limited UpheldBanking and creditMr K complains that Harrington Brooks (Accountants) Limited failed to administer his debt management plan adequately.backgroundMr K set up a debt management plan with Harrington Brooks in November 2009. He says he paid Harrington Brooks “in excess of £8,000” but his largest debt – appr... (3 pages)View decision -
Decision Reference DRN-3872237
17 Mar 2023 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3872237 The complaint Mr S complains about two charging orders applied to his domestic property by National Westminster Bank Plc and about the bank not providing reasonable assistance to get them removed. What happened In September 2021, Mr S sought to re-mortgage his domestic property... (4 pages)View decision -
Decision Reference DRN5342187
3 Oct 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs B, represented by a claims management company, complain that they were mis-sold a mortgage by an authorised representative of Legal & General Partnership Services Limited (“L&G”). backgroundMr and Mrs B took advice leading to a re-mortgage from L&G. In doing so, ... (2 pages)View decision -
Decision Reference DRN4464054
23 Jul 2014 Lloyds Bank PLC UpheldBanking and creditMiss A complains that Lloyds Bank PLC is wrongly pursuing her for a debt which she says she has already repaid. backgroundMiss A held a mortgage account and a current account with Lloyds, both of which were in arrears. Miss A sold her property to repay the mortgage debt and in May 2008... (2 pages)View decision -
Decision Reference DRN-1012322
6 Aug 2019 Cabot Credit Management Group Limited Not upheldConsumer CreditThe complaint Mr T is unhappy with the way Cabot Credit Management Group Limited (trading as Cabot Financial (Europe) Limited) has dealt with him in relation to old debts. What happened Mr T had two credit accounts with two different businesses and, after falling into financial difficulty,... (3 pages)View decision -
Decision Reference DRN3760201
21 Jan 2015 Barclays Bank Plc Not upheldBanking and creditMr D complains that Barclays Bank Plc placed ‘arrangement to pay’ markers on his credit reference file rather than a default marker.backgroundIn 2008 Mr D encountered financial difficulties and took advice from a debt management organisation. He entered into arrangements to pay with a ... (2 pages)View decision -
Decision Reference DRN6729845
10 Nov 2016 Lowell Financial Ltd UpheldBanking and creditMiss H complains that Lowell Financial Ltd (trading as Lowell Group) wrongly took payment from her in respect of a debt that did not belong to her.backgroundMiss H says that she has discovered that debt repayments which she made to Lowell were in respect of a debt w... (2 pages)View decision -
Decision Reference DRN1869994
21 Nov 2016 Debt Advisory Line Limited Not upheldBanking and creditMr M and his representative complain about the advice he was given by Debt Advisory Line Limited to enter into a debt management plan. They say it was mis-sold to him and wasn’t the appropriate solution for his situation. He wasn’t told that charges and interest... (2 pages)View decision
