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 74386 results
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Decision Reference DRN8406514
4 Apr 2016 Bank of Scotland Plc UpheldBanking and creditMr L complains that Bank of Scotland plc (trading as Halifax) asked him to repay a debt that had already been settled.backgroundMr L entered in to an Individual Voluntary Arrangement (IVA) in 2008. The IVA ended in 2013 but the final completion paperwork wasn’t sent out... (2 pages)View decision -
Decision Reference DRN1775542
21 Mar 2014 HSBC Bank plc Not upheldBanking and creditMr and Mrs K complain that HSBC Bank plc wrongly charged monthly direct debits for their business credit card to their business current account – causing an unauthorised overdraft which they are now being required to repay. They want the bank to write off the debt.backgroundMr and Mrs K... (2 pages)View decision -
Decision Reference DRN1421226
6 Oct 2015 Microcredit Limited UpheldBanking and creditMr M complains about the way Microcredit Limited (trading as MiniCredit.co.uk) treated him when he was in financial difficulty.backgroundAbout a month after taking out a payday loan with Microcredit Mr M told it he was in financial difficulty. He’s unhappy with its res... (2 pages)View decision -
Decision Reference DRN0508976
3 Sep 2015 MBNA Limited Not upheldBanking and creditMr D complains that MBNA Limited defaulted his credit card account after it agreed to accept reduced monthly payments. Mr D says MBNA accepted a lump sum payment in settlement of the debt but has only recently marked his credit file as partially settled. Mr D wants ... (3 pages)View decision -
Decision Reference DRN1391852
7 Aug 2019 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs H complain about the advice given to them by AWD Home Finance Limited, a mortgage broker and an appointed representative of Legal & General Partnership Services Limited. They say they were mis-sold a mortgage and a will package. A claims management company (CMC) brings this ... (3 pages)View decision -
Decision Reference DRN8608900
19 Jan 2016 Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr S is complaining that Bank of Scotland plc (trading as Halifax) mis-sold him a payment protection insurance (PPI) policy on a credit card. He’s unhappy with how much it’s offered him in compensation. He’s also complaining that it’s charged him interest and bank charge... (7 pages)View decision -
Decision Reference DRN-4090600
19 May 2023 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-4090600 The complaint Mr O complains that Lowell Portfolio I Ltd is unfairly pursuing him for an outstanding debt. What happened Lowell purchased a credit card debt in Mr O’s name from a business I’ll call V in September 2020 and sent him a Notice of Assignment to confirm the new arran... (2 pages)View decision -
Decision Reference DRN-3196832
28 Jun 2022 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-3196832 The complaint Mr C complains about the communication from Lantern Debt Recovery Services Ltd regarding a debt he owed. What happened Mr C explains he had a debt with a lender, who I’ll call O, and put in an irresponsible lending complaint. He says O told him they’d ask Lantern ... (2 pages)View decision -
Decision Reference DRN0495440
10 Nov 2017 Bank of Scotland Plc Not upheldBanking and creditMs C complains about how Bank of Scotland plc handled her request for information and how it dealt with her complaint. backgroundMs C received letters from debt collection agents asking her to pay an outstanding loan debt. She complained to the recovery agent and asked it... (2 pages)View decision -
Decision Reference DRN3610710
31 Mar 2016 National Westminster Bank Plc UpheldBanking and creditMr J complains that National Westminster Bank Plc is unfairly asking him to repay a loan, because it hasn’t been in contact with him about for more than six years. backgroundI issued a provisional decision on this complaint in December. A copy is attached. NatWest ha... (5 pages)View decision
