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 74313 results
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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 DRN9354648
1 Sep 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs D complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (L&G).backgroundThe fixed rate on Mr and Mrs D’s mortgage was coming to an end and they consulted L&G.L&G recommend... (3 pages)View decision -
Decision Reference DRN2915601
9 Nov 2018 National Westminster Bank Plc Not upheldBanking and creditMr B complains that National Westminster Bank Plc took money from his current account to pay an outstanding balance on his credit card account. backgroundIn late 2015, NatWest defaulted Mr B’s credit card account. In March 2018, NatWest wrote to Mr B at the UK add... (3 pages)View decision -
Decision Reference DRN7655551
22 Nov 2013 Lloyds Bank PLC Not upheldBanking and creditThis complaint is brought by two partners in a family business, and concerns the way Lloyds Bank Plc (previously Lloyds TSB Bank Plc) dealt with the partnership accounts and security. In particular, the partners say that Lloyds:-withdrew overdraft facilities from their business and ... (3 pages)View decision -
Decision Reference DRN-5052332
15 Nov 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-5052332 The complaint Miss M says Lloyds Bank PLC irresponsibly lent to her. Her complaint has been brought through a representative but for ease I will refer solely to Miss M in this decision. What happened Miss M applied for £3,000 of overdraft facility across two current accounts... (3 pages)View decision -
Decision Reference DRN-3148710
9 Nov 2021 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-3148710 The complaint Ms Q complains about a debt Lowell Portfolio I Ltd says she owes. She also complains about how she is being chased for the debt. In this decision, where I have referred to ‘Lowell’ I am referring to Lowell Portfolio I Ltd. Where I have referred to Ms Q in this dec... (4 pages)View decision -
Decision Reference DRN-5078701
22 Oct 2024 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-5078701 The complaint Mr C complains that Capquest Debt Recovery Limited passed his data to a third-party debt collector unlawfully, without his consent. Mr C wants Capquest to apologise and pay compensation. What happened In April 2024, Mr C received an email from a business I will... (3 pages)View decision -
Decision Reference DRN1728092
30 Jun 2015 Tesco Personal Finance PLC Not upheldBanking and creditMr G complains that Tesco Personal Finance PLC (the business) added charges and interest to his credit card account when he was in financial difficulties and that it harassed him for repayment and then sold his debt to a debt collection agency.backgroundMr G says th... (2 pages)View decision -
Decision Reference DRN1340147
8 Jan 2019 Progressive Money Limited UpheldBanking and creditA Debt Adviser (DA) complains on behalf of Mr L about the service Mr L has had from Progressive Money Limited (PML). Mr L would like an apology, for PML to amend its policies, to consider reducing and or freezing interest for those in financial hardship and to onl... (4 pages)View decision -
Decision Reference DRN-2561889
5 May 2021 Experian Limited Not upheldConsumer CreditDRN-2561889 The complaint Mr B complains that Experian Limited is recording someone else’s information on his credit file. What happened Mr B has told us that he first contacted Experian about adverse information recorded on his credit file in 2015. The debt in question was recorded with t... (2 pages)View decision
