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 77095 results
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Decision Reference DRN2185684
27 Aug 2013 Bank of Scotland Plc Not upheldBanking and creditMr J complains about how Bank of Scotland Plc (“the bank”) has behaved in relation to a personal guarantee that he gave it for the debts of D – a company which he owned, and in which he was employed as managing director.backgroundMr J personally guaranteed borrowings by D up to a limit ... (4 pages)View decision -
Decision Reference DRN8560737
16 Jan 2020 Cabot Credit Management Group Limited Not upheldBanking and creditMr E complains that Cabot Financial (Europe) Limited representing Cabot Credit Management Group Limited (Cabot Credit) are pursuing him for a debt that he doesn’t believe is his. He would like Cabot Credit to prove the debt is his, to write off the debt and to amend his credit file.backgro... (2 pages)View decision -
Decision Reference DRN0708198
14 Sep 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr C complains that The Royal Bank of Scotland Plc (“RBS”) didn’t do enough to locate him before it issued a default notice. He wants the bank to remove the adverse entry from his credit file.backgroundMr C has a Mint credit card issued by RBS in 2004. In 2014, Mr ... (2 pages)View decision -
Decision Reference DRN-3082415
4 Oct 2021 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3082415 The complaint Miss C is unhappy with the standard of service she’s received from National Westminster Bank Plc (“NatWest”) surrounding the issuance of letters advising that her credit card account is considered as being in persistent debt and the subsequent suspension of that a... (4 pages)View decision -
Decision Reference DRN1206367
9 May 2018 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs B complain that the mortgage advice that they received from Legal & General Partnership Services Limited was unsuitable.background Mr and Mrs B had an existing mortgage and a number of unsecured debts. L&G recommended that they re-mortgage and consolida... (2 pages)View decision -
Decision Reference DRN0822300
21 Jul 2015 Arrow Global Guernsey Limited Not upheldBanking and creditMr W complains that Arrow Global Limited is wrongly pursuing him for a debt that he doesn’t owe.backgroundMr W didn’t keep up the repayments on his credit card and the outstanding balance was sold on to Arrow to collect. Mr W made a complaint to the original credit... (2 pages)View decision -
Decision Reference DRN-3757061
7 Nov 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3757061 The complaint Mr M complains that Vanquis Bank Limited continues to report a default on his credit file relating to a debt it sold to another business. What happened Mr M had a credit card with Vanquis that was closed in April 2019. Vanquis reported the default along with the o... (2 pages)View decision -
Decision Reference DRN0758944
18 Oct 2017 Debt Managers (Services) Limited Not upheldBanking and creditMr H complains that Debt Managers (Services) Limited (‘DMS’) is pursuing him in relation to a debt of which he has no knowledge. He wants it to stop chasing him.backgroundMr H held a joint bank account with another party. Around fifteen years ago, that account was in... (2 pages)View decision -
Decision Reference DRN2088887
31 Dec 2019 Link Financial Outsourcing Limited Not upheldBanking and creditMr P complains that Link Financial Outsourcing Limited (“Link”) are chasing him for a debt despite him having paid everything that was due.backgroundMr P was financing a car through an agreement with a company I will call “F”. The lease came to an end in September 2016 and Mr P returned hi... (2 pages)View decision -
Decision Reference DRN-2846778
1 Jul 2021 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-2846778 The complaint Mrs T complains that Link Financial Outsourcing Limited trading as Honours Student Loans is chasing her for a debt she doesn’t think she should have to pay. She wants it to stop chasing her for the debt. What happened Mrs T tells us that she took out a student loa... (3 pages)View decision