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 DRN-3699575
23 Sep 2022 Mortgage Express Not upheldMortgagesDRN-3699575 The complaint Mr H complains that Mortgage Express is unfairly pursuing him for repayment of a mortgage shortfall resulting from its sale of his property in 2009. What happened In 2007, Mr H took a buy to let remortgage with Mortgage Express for approximately £93,500 plus fees.... (4 pages)View decision -
Decision Reference DRN-3360153
16 May 2022 Barclays Bank Plc Not upheldMortgagesDRN-3360153 The complaint Mr A, Mrs A, Mrs A and Ms A ’s complaint about Barclays Bank PLC (Barclays) relates to a judgment debt in Barclays favour. Barclays were asked to waive the debt and remove a Charging Order which they said they had done, when in fact they hadn’t. What happened Mr A... (3 pages)View decision -
Decision Reference DRN5139851
14 Jun 2016 Bank of Scotland Plc Not upheldBanking and creditMr G complains about the handling of his current account by Bank of Scotland Plc, tradingas Halifax.backgroundI understand that Mr G opened a student account in 2008. Mr G had difficulty maintaining theaccount and Halifax put the account into recoveries in 2014. Thi... (3 pages)View decision -
Decision Reference DRN0778862
21 May 2015 Cabot Financial (Europe) Limited Not upheldBanking and creditMr V complains that Cabot Financial (Europe) Limited (the business) recorded a default on his credit file while he was maintaining his payments under a repayment plan. He says that he did not receive any letters saying that his account was in arrears or that a default ... (2 pages)View decision -
Decision Reference DRN6961831
16 Aug 2013 Vanquis Bank Limited UpheldBanking and creditMs B complains about the way in which Vanquis Bank Limited handled her request for assistance with her financial difficulties.backgroundMs B had to give up work following a significant change in her personal circumstances. Because of this, she started to have difficulty in meeting her ... (3 pages)View decision -
Decision Reference DRN8731559
11 Dec 2019 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr W doesn’t think it’s fair for The Royal Bank of Scotland Plc (RBS) to use his payment protection insurance (PPI) compensation to reduce the debt from which he was discharged when his protected trust deed came to an end in 2007.backgroundIn November 2019 I issued my provisional decision.... (5 pages)View decision -
Decision Reference DRN5671766
25 Mar 2014 Lloyds Bank PLC Not upheldBanking and creditMr T complains that Lloyds Bank PLC is wrongly seeking repayment from him for a debt that is not his.backgroundIn late 2012 Lloyds wrote to Mr T to tell him that an outstanding debt in his name had been transferred to a debt collection agency. The agency also wrote. Mr T told both the ... (2 pages)View decision -
Decision Reference DRN3761585
25 Jun 2013 Capital One (Europe) plc Not upheldBanking and creditMr G complains that Capital One Europe Plc changed the debt recovery company it was using without telling him, that it harassed him and called his mother about his debt. He wants them to stop chasing him and write off the debt outstanding.our initial conclusionsThe adjudicator r... (2 pages)View decision -
Decision Reference DRN2871997
26 Jul 2016 Legal & General Partnership Services Limited UpheldBanking and creditMr B complains that Legal & General Partnership Services Limited mis-sold a mortgage to him. Mr B is represented by a claims management company, which I will call M.backgroundMr B had an interest only mortgage of about £66,000. He also had an unsecured loan an... (5 pages)View decision -
Decision Reference DRN0659167
15 Feb 2017 Paragon Finance Plc UpheldBanking and creditMr S complains that Paragon Finance PLC applied a default to his credit file years after it should have been applied.backgroundMr S says that he entered into a debt management plan (DMP) in April 2008 and made nominal payments towards his account. He says that his a... (3 pages)View decision