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 70137 results
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Decision Reference DRN7065192
5 Sep 2013 Nationwide Building Society Not upheldBanking and creditMrs G complains that Nationwide Building Society has not responded correctly to a previous decision by the Financial Ombudsman Service. The decision required Nationwide to refund current account charges and interest. She is also unhappy that a payment of £51.54 has not been applied.... (2 pages)View decision -
Decision Reference DRN4558748
13 Jul 2017 Link Financial Outsourcing Limited Not upheldBanking and creditMs R is unhappy about Link Financial Outsourcing Limited asking for payment of a debt it bought from another business.backgroundLink bought a debt Ms R owed another financial business. Ms R wants to see the agreement between the two businesses and find out how much Li... (1 page)View decision -
Decision Reference DRN2209265
3 Apr 2014 National Westminster Bank Plc Not upheldBanking and creditMr L complains that a debt collection agency, acting on behalf of National Westminster Bank Plc (“NatWest”), pursued him for a debt that was not his. The bank has offered compensation but Mr L says it is not enough. background In June 2013 a debt collection agency wrote to Mr L in pu... (2 pages)View decision -
Decision Reference DRN5680287
15 Nov 2016 Debt Advisory Line Limited Not upheldBanking and creditMrs T, represented by a claims management company (CMC), complains that Debt Advisory Line Limited (the business) did not tell her about the free debt services available and did not manage her debt management plan (DMP) correctly.backgroundMrs T entered into a DMP m... (2 pages)View decision -
Decision Reference DRN-3139640
6 Jan 2022 Lloyds Bank PLC Not upheldConsumer CreditDRN-3139640 The complaint Mr P is unhappy that Lloyds Bank PLC approved him for a loan which he feels was unaffordable for him at that time. What happened In 2015, Mr P applied for a loan with Lloyds. The loan application was approved. The loan was for £13,900 to be repaid over a term of s... (2 pages)View decision -
Decision Reference DRN-1525082
2 Mar 2020 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-1525082The complaintMr C complains that Lantern Debt Recovery Services Ltd is pursuing him for a debt that he doesn’t believe he’s liable for. What happenedMr C took out a loan with a lender I will refer to as ‘W’. In early 2019, W went into administration and the administrators sold M... (2 pages)View decision -
Decision Reference DRN5440524
31 Oct 2013 Bank of Scotland Plc UpheldBanking and creditMr H complains that, after telling the bank about his financial difficulties in 2007, Bank of Scotland plc has continued to pursue him for a debt he cannot repay in full and has now sold his account to an external organisation. He wants the bank to pursue him through the courts so he ca... (2 pages)View decision -
Decision Reference DRN2668324
29 Dec 2016 123 Debt Solutions Ltd Not upheldBanking and creditMiss T and her representative are unhappy about the advice she was given by 123 Debt Solutions Ltd to enter into a debt management plan. They say it was mis-sold to her and wasn’t the best option for her. She wasn’t told of the fees or that other similar free ser... (2 pages)View decision -
Decision Reference DRN3058563
29 Sep 2017 Nemo Personal Finance Limited Not upheldBanking and creditMr and Mrs J complain that Nemo Personal Finance Limited isn’t treating them fairly when they’re in financial difficulties. They want Nemo to accept their repayment plan to pay an extra £50 each month towards the arrears.background Mr and Mrs J have a secured loan wi... (4 pages)View decision -
Decision Reference DRN-4493196
9 Jan 2024 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4493196 The complaint Mr H complains that National Westminster Bank Plc is wrongly holding him personally liable for the debt of a limited company he used to be associated with. I will call that company R. What happened Mr H told us: In July 2022 he was a director of R. His fellow dir... (4 pages)View decision
