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
-
Decision Reference DRN-2323935
4 Jan 2021 Bank of Scotland Plc Not upheldConsumer CreditDRN-2323935 The complaint Ms B complains that Bank of Scotland plc trading as Halifax sold the debt from her loan to a third party, although she says it knew that she was unwell at the time. What happened Ms B took out a loan with Halifax in early 2009. She had difficulty making the paymen... (3 pages)View decision -
Decision Reference DRN5621788
21 Jun 2016 Lowell Portfolio I Ltd Not upheldBanking and creditMr S complains that Lowell Portfolio I Ltd pursued him for a debt that was not his. backgroundIn October 2015, Mr S says he received a letter from Lowell about an outstanding debt relating to goods purchased. The letter said that previous owner of the debt had made... (2 pages)View decision -
Decision Reference DRN7945220
30 Mar 2016 Barclays Bank Plc UpheldBanking and creditMiss B complains that Barclays Bank Plc unfairly registered a default against her name.backgroundMiss B owed money on a loan account with Barclays. She fell behind with payments in 2008 and Barclays sent her notices of termination and default. Miss B then made arr... (3 pages)View decision -
Decision Reference DRN-2267221
8 Feb 2021 Legal & General Partnership Services Limited Not upheldMortgagesDRN-2267221 The complaint Through a claims management company (CMC), Mr and Mrs C have complained that a mortgage was mis-sold by a representative of Legal & General Partnership Services Limited (L&G). They are asking L&G to compensate them for the losses incurred by taking out... (4 pages)View decision -
Decision Reference DRN5742301
7 Jun 2018 National Westminster Bank Plc Not upheldBanking and creditMiss M complains that National Westminster Bank Plc charged her interest when she was in financial difficulties.backgroundMiss M said that NatWest continued to apply interest on her account when she went into a debt management plan.Miss M opened a current account with... (3 pages)View decision -
Decision Reference DRN3084114
28 May 2020 NewDay Ltd Not upheldBanking and creditMrs B complains that her account was defaulted, closed and passed on to debt collectors incorrectly by NewDay Ltd trading as Marbles after she got into arrears. backgroundMrs B got into arrears on her account and she agreed a no fee arrangement to pay back the arrears in May 2018. She was ... (3 pages)View decision -
Decision Reference DRN1444509
12 Mar 2015 Bank of Scotland Plc Not upheldBanking and creditMr M complains that Bank of Scotland plc, trading as Halifax, wrongly charged interest on his credit card account when he was in a payment plan, defaulted the account as a result of that interest being charged, and used a debt collection agency to purse him aggressively for repayment of ... (2 pages)View decision -
Decision Reference DRN9108862
14 Oct 2016 Black Horse Limited UpheldBanking and creditMr G complains that Black Horse Limited wrongly registered a default against him on his credit file, where it remained for four years until he noticed it and got Black Horse to remove it.backgroundIn 2008, Mr G entered into a car finance agreement with Black Horse. ... (2 pages)View decision -
Decision Reference DRN0870372
22 Dec 2017 Link Financial Outsourcing Limited Not upheldBanking and creditMr N complains that Link Financial Outsourcing Limited incorrectly registered a default on is credit file. backgroundIn March 2017 Mr N discovered he had a default notice on his credit file for some £8,000 registered by Link. He asked for an explanation. Link told him t... (2 pages)View decision -
Decision Reference DRN-5148746
20 Nov 2024 Intelligent Lending Limited UpheldMortgagesDRN-5148746 The complaint Mr and Mrs G complain that Intelligent Lending trading as Ocean recommended a second charge loan that was unsuitable for them. What happened Your In 2018, Ocean recommended that Mr and Mrs G should take took out a secured second charge loan. The loan was for £9... (4 pages)View decision
