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 77095 results
-
Decision Reference DRN3709231
16 Oct 2015 MBNA Limited Not upheldBanking and creditMrs G complains that MBNA Limited has unlawfully sold on her credit card debt to a third party and has not complied with the relevant legal requirements to entitle it in law to recover the debt.backgroundMrs G had a credit card account with MBNA. MBNA took Mrs G to c... (3 pages)View decision -
Decision Reference DRN3301782
15 Oct 2014 Debt Connect (U.K.) Limited UpheldBanking and creditMiss F has complained that she is owed a refund from Debt Connect (U.K.) Limited, but has not received it.backgroundMiss F entered into a debt management plan with Debt Connect. When she ended the plan, it wrote to her to tell her it owed her a refund of £344. However, this has not... (1 page)View decision -
Decision Reference DRN9318318
27 Nov 2013 Student Loans Company Limited Not upheldBanking and creditMr T complains, in summary, that Student Loans Company Limited (“SLCL”) pursued him for a debt that was statute barred.backgroundMr T said that SLCL should not have pursued him for repayment of a debt in October 2008 because it was statute barred pursuant to the Limitation Act 1980. ... (2 pages)View decision -
Decision Reference DRN3994322
15 Dec 2014 Bank of Scotland Plc Not upheldBanking and creditMr B complains that Bank of Scotland plc (“the bank”) loaned to him irresponsibly, and that it has been wrong to continue to chase him for the debt, and then to sell his debt on to a collections agency.backgroundMr B took out a loan with the bank in 2006 over a seven-year term. He was a... (2 pages)View decision -
Decision Reference DRN-2692762
22 Mar 2021 The Royal Bank of Scotland Plc Not upheldMortgagesDRN-2692762 The complaint Mr and Mrs E have complained about a mortgage they held with the Royal Bank of Scotland Plc (“RBS”). The account was a NatWest-branded One account. The complaint falls into three broad categories which are; how the mortgage was set up in 2004, why RBS charged u... (6 pages)View decision -
Decision Reference DRN9999216
5 Feb 2016 Shop Direct Finance Company Limited UpheldPayment protection insurance (PPI)Miss M’s complaint is about the mis-sale of a payment protection insurance (PPI) policy and the way Shop Direct Finance Company Limited has used the compensation it offered to put things right.background Miss M complained that Shop Direct mis-sold her a PPI policy ... (2 pages)View decision -
Decision Reference DRN8450072
17 Jul 2019 Shop Direct Finance Company Limited Not upheldBanking and creditMr F complains about the way Shop Direct Finance Company Limited (‘Shop Direct’) managed two catalogue shopping accounts he had with it. backgroundMr F had two separately branded catalogue shopping accounts with Shop Direct.In February 2017 the direct debits Mr F had set up to make repayme... (3 pages)View decision -
Decision Reference DRN8866432
31 Mar 2015 Canada Square Operations Limited UpheldPayment protection insurance (PPI)Mr B’s complaint is that Canada Square Operations Limited, trading as CitiFinancial Europe Plc (“Citi”) mis-sold him payment protection insurance (“PPI”) policies with a chain of two loans in 2003 and 2004.backgroundCiti upheld Mr B’s complaint and made an offer w... (3 pages)View decision -
Decision Reference DRN2998881
13 Nov 2015 Shop Direct Finance Company Limited UpheldBanking and creditMr W complains that Shop Direct Finance Company Limited (the business) did not update his credit file after he paid off his debt. He says this has resulted in him being refused credit.backgroundMr W had an account with the business that feel into arrears. The acc... (2 pages)View decision -
Decision Reference DRN7834906
27 Jan 2015 Bank of Scotland Plc UpheldBanking and creditMr E complains that Bank of Scotland plc (trading as Capital Bank) (“Capital Bank”), passed on a debt to a third party for collection that he did not owe. This has affected his credit rating and he wants compensation.backgroundMr E has been pursued for 5 years for a debt he doesn’t ow... (2 pages)View decision