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 DRN2674500
8 Aug 2014 HSBC Bank plc Not upheldBanking and creditMr D complains that HSBC Bank plc, trading as first direct, telephoned him about his account, including at work, despite being requested not to do so. He says that these calls were harassment, and he wants compensation for the distress and embarrassment he has been caused.backgroundMr D... (1 page)View decision -
Decision Reference DRN2836648
28 Jul 2017 B2B Loans & Mortgages Limited Not upheldBanking and creditMr and Mrs L complain that B2B Loans & Mortgages Limited (“Y3S”) didn’t follow their instructions and repaid the wrong debt using money borrowed for loan consolidation. They also are unhappy about how long the application took, the number of surveyor reports, tha... (2 pages)View decision -
Decision Reference DRN0974653
29 Jun 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMr F complains he was badly advised by Legal & General Partnership Services Limited. He says he was mis-sold a mortgage at the end of 2005 as the advice to consolidate his unsecured debts into an interest-only mortgage was unsuitable. Mr F is represented in his ... (3 pages)View decision -
Decision Reference DRN1138496
12 Dec 2019 The Funding Corporation Limited UpheldPayment protection insurance (PPI)Mr N complains that The Funding Corporation Limited (“TFC”) mis-sold him payment protection insurance with a loan. Mr N also complains that TFC has been adding interest to a judgment debt in relation to that loan.background I set out the full background to this complaint in my provisional ... (7 pages)View decision -
Decision Reference DRN-1715934
15 Dec 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-1715934 The complaint Mrs T complains that National Westminster Bank Plc (NatWest) is pursuing her for repayment of an overdraft from a business she isn’t involved with. She wants NatWest to contact her former business partner over the matter and there to be no impact on her credit rat... (3 pages)View decision -
Decision Reference DRN5181939
8 Mar 2016 PDHL Limited Not upheldBanking and creditMiss O complains that PDHL Limited has provided her with inappropriate advice relating to adebt management plan (“DMP”) she entered into with them. The complaint has been brought to this service by a claims management company (“CMC”). But for simplicity I shall re... (2 pages)View decision -
Decision Reference DRN-2332916
30 Sep 2021 HCC International Insurance Company Plc Not upheldInsuranceDRN-2332916 The complaint A company which I’ll refer to as C complains that HCC International Insurance Company Plc (“HCC”) hasn’t paid the full value of a claim made against its Trade Credit insurance policy. Mr C, who is a director of C, brings the complaint on C’s behalf. C is represent... (3 pages)View decision -
Decision Reference DRN8450072
17 Jul 2019 Shop Direct Finance Company Limited Not upheldBanking and creditMr F complains about the way Shop Direct Finance Company Limited (‘Shop Direct’) managed two catalogue shopping accounts he had with it. backgroundMr F had two separately branded catalogue shopping accounts with Shop Direct.In February 2017 the direct debits Mr F had set up to make repayme... (3 pages)View decision -
Decision Reference DRN-1972658
3 Jul 2020 The Royal Bank of Scotland Plc UpheldBanking and PaymentsThe complaint Mr V, a sole trader, complains about what happened when he switched his business banking from The Royal Bank of Scotland Plc. What happened Mr V changed his business account using the account switching service. He said the account didn’t transfer properly. It had an overdraft... (3 pages)View decision -
Decision Reference DRN8302408
3 Dec 2013 MBNA Limited Not upheldBanking and creditMrs A complains that MBNA Limited will not accept a payment from her of £269.50 in full and final settlement of her debt of £5,117.20. Mrs A says that MBNA did not tell her that it was not prepared to use the cheque to clear her loan when it cashed it. This meant that she thought MBNA... (2 pages)View decision
