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 71155 results
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Decision Reference DRN7839128
10 Nov 2016 One Call Insurance Services Limited UpheldInsurance (excluding PPI)Mr E’s complained that One Call Insurance Services Limited charged him a debt recovery fee unfairly when he cancelled his motor insurance policy.backgroundMr E cancelled his motor insurance policy with One Call. He’d changed his car and their quote to insure it was... (3 pages)View decision -
Decision Reference DRN-2940109
23 Jul 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2940109 The complaint Mr G complains that Bank of Scotland (trading as Halifax) sent him a letter regarding persistent debt. He’s also unhappy that Halifax didn’t respond in a timely manner to his data subject access request (DSAR) and that it referred to his concerns as feedback. What... (4 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 -
Decision Reference DRN6616200
20 Jul 2015 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs M say National Westminster Bank Plc delayed giving them information about a debt it wanted repaying from Mr M2’s estate and this means the estate has made a financial loss.backgroundI’ve attached my provisional decision from June 2015, which forms part of ... (5 pages)View decision -
Decision Reference DRN6745337
4 Dec 2019 Evergreen Finance London Ltd UpheldBanking and creditMr W complains that Evergreen Finance London Limited, trading as Moneyboat, made a mistake when it tried to collect a payment. Mr W says it led to embarrassment and financial loss.Since this complaint has been with this service Mr W has complained about being harassed by Moneyboat in relat... (5 pages)View decision -
Decision Reference DRN2716447
11 Sep 2015 WorldPay (UK) Limited Not upheldBanking and creditS is a limited company and its complaint is brought by its representative, Mr B. Mr B complains that WorldPay (UK) Limited is chasing S for a debt that is not properly owed. backgroundS took a merchant services facility to enable it to accept plastic card payments. ... (3 pages)View decision -
Decision Reference DRN-5191034
6 Dec 2024 Marks & Spencer Financial Services plc UpheldBanking and PaymentsDRN-5191034 The complaint Mr M complains that Marks & Spencer Financial Services Plc trading as M&S Bank gave him incorrect information about the position of his credit card debt. What happened The background to this complaint and my initial conclusions were set out in a provis... (3 pages)View decision -
Decision Reference DRN9330155
7 Aug 2014 Legal & General Partnership Services Limited UpheldBanking and creditMr T complains that the mortgage recommended by Legal & General Partnership ServicesLimited was unsuitable. He is represented in his complaint by a third party.backgroundMr T’s mortgage with his previous lender was repaid partly on a repayment basis, and partlyon interest-only. He als... (4 pages)View decision -
Decision Reference DRN-4886788
28 Oct 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4886788 The complaint Mrs O complains that Monzo Bank Ltd unfairly transferred a debt to a collection agency that she says isn’t owed by her. What happened In 2020 Mrs O raised a dispute with Monzo after experiencing difficulties with an automated teller machine (ATM) cash withdrawa... (3 pages)View decision -
Decision Reference DRN8639006
5 May 2015 Sesame Limited Not upheldBanking and creditMs A and Mr Y complain that Sesame Limited mis-sold them a mortgage consolidating another secured loan and unsecured debts.backgroundMs A and Mr Y make this complaint through their solicitor.Ms A and Mr Y approached Sesame for advice about re-mortgaging in 2006. At that ... (3 pages)View decision
