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 DRN6394035
29 Oct 2013 Hillesden Securities Limited Not upheldBanking and creditMrs E wants Hillesden Securities Limited to discontinue collection activity on a debt she says is unenforceable. Mrs E also says Hillesden has harassed her. Mrs E is represented in this complaint by Mr J. References to Mrs E should be taken to include submissions made by her representa... (2 pages)View decision -
Decision Reference DRN9081055
10 Jul 2015 National Westminster Bank Plc Not upheldBanking and creditMr S feels that National Westminster Bank Plc (Natwest) hasn’t treated him fairly over a fraudulent account set up in his name and the issues stemming from it. backgroundMr S was written to by a debt recovery company and informed of a debt he’d never heard of in ... (2 pages)View decision -
Decision Reference DRN9526223
3 Apr 2014 Nationwide Building Society Not upheldBanking and creditMr J complains that Nationwide Building Society has not renewed a repayment plan and intends to secure a debt on his property.backgroundMr J had a credit card account with Nationwide. When he became ill and unable to work, he ran into financial difficulties, so a reduced payment plan w... (2 pages)View decision -
Decision Reference DRN-5094160
21 Oct 2024 Southern Pacific Mortgage Limited UpheldMortgagesDRN-5094160 The complaint Mr O complains that Southern Pacific Mortgage Limited (SPML) is recording inaccurate information about him on his credit file. What happened In 2005, Mr O took out an interest only mortgage with SPML. The mortgage is in joint names with his now ex-partner. The ... (3 pages)View decision -
Decision Reference DRN6470569
6 Apr 2017 MKDP LLP Not upheldBanking and creditMr B complains that there was no contract between MKDP LLP and himself, and that MKDP sold his debt onto a party (“C”) that wasn’t regulated by the Financial Conduct Authority (“FCA”).backgroundMr B had a current account with a bank (“H”). He said that H had failed t... (2 pages)View decision -
Decision Reference DRN7710470
12 Jan 2017 Clark Richards Limited Not upheldBanking and creditMr H complains that Clark Richards Limited, trading as Clark Richards Financial Management, (“CRL”), didn’t provide him with appropriate information about a debt management plan (“DMP”) with it. The complaint is brought to this service on Mr H’s behalf by a claims manage... (2 pages)View decision -
Decision Reference DRN4665769
17 Jul 2013 Rozario Harris & Co Ltd Not upheldBanking and creditMr H complains about unsuitable mortgage advice given by Rozario Harris & Co Ltd (Rozario Harris).our initial conclusionsOur adjudicator didn’t recommend the complaint should be upheld. He considered the advice to have been suitable and to have met Mr H’s needs. Mr H disagreed a... (2 pages)View decision -
Decision Reference DRN-2320752
24 May 2021 The Royal Bank of Scotland Plc Not upheldInsuranceDRN-2320752 The complaint Ms E’s complaint is that The Royal Bank of Scotland Plc (RBS) used part of the compensation from the mis-sale of a payment protection insurance (PPI) policy to clear the arrears on a credit card. Ms E says all the compensation due should be paid directly to her as... (2 pages)View decision -
Decision Reference DRN1224032
21 Apr 2015 Debts Solved Limited Not upheldBanking and creditMr D complains about the actions of Debts Solved Limited (trading as X-debt) when advising him about his options before he entered into an Individual Voluntary Arrangement (IVA). backgroundMr D entered into the IVA in 2009, when he had debts of nearly £60,000 which ... (2 pages)View decision -
Decision Reference DRN2141618
20 Jul 2016 Idem Capital Securities Limited Not upheldBanking and creditMiss M wants Idem Capital Securities Limited to correct her credit file, and compensate her for the trouble and upset its inaccurate information has caused.backgroundIdem bought Miss M’s debt from a third party in March 2012. There was a formal repayment arrangeme... (2 pages)View decision