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 70252 results
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Decision Reference DRN-2347508
8 Mar 2021 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2347508 The complaint Mr B has complained that Cabot Credit Management Group Limited are chasing him for a debt that he doesn’t recognise and for which they don’t have the original agreement. What happened This complaint is about an unsecured bank loan from 1998, which defaulted and wa... (2 pages)View decision -
Decision Reference DRN9081055
10 Jul 2015 National Westminster Bank Plc Not upheldBanking and creditMr S feels that National Westminster Bank Plc (Natwest) hasn’t treated him fairly over a fraudulent account set up in his name and the issues stemming from it. backgroundMr S was written to by a debt recovery company and informed of a debt he’d never heard of in ... (2 pages)View decision -
Decision Reference DRN6394035
29 Oct 2013 Hillesden Securities Limited Not upheldBanking and creditMrs E wants Hillesden Securities Limited to discontinue collection activity on a debt she says is unenforceable. Mrs E also says Hillesden has harassed her. Mrs E is represented in this complaint by Mr J. References to Mrs E should be taken to include submissions made by her representa... (2 pages)View decision -
Decision Reference DRN2249559
22 Apr 2015 R. Raphael & Sons Plc Not upheldBanking and creditMr M complains that R. Raphael & Sons Plc paid a refund of Payment Break Plan (PBP) fees to the debt collection agency which had taken over his account.backgroundMr M had an account with Raphael’s which was in arrears. He had been paying monthly PBP fees and chall... (2 pages)View decision -
Decision Reference DRN0778601
27 Jun 2018 Nationwide Building Society Not upheldBanking and creditMr and Mrs L have complained that Nationwide Building Society has demanded payment in full on a judgment debt before it will remove a charging order on a property owned in the joint names of Mr and Mrs L.backgroundMr and Mrs L own a property in their joint names. In 2... (2 pages)View decision -
Decision Reference DRN-3797657
21 Dec 2022 Oplo HL Ltd UpheldMortgagesDRN-3797657 The complaint Mr M complains that Oplo HL Ltd (“Oplo”) lent to him irresponsibly as he experienced financial difficulties during the repayment of the four loans he took out. What happened Mr M says that he purchased a property to renovate in 2016 and many unforeseen problems ar... (22 pages)View decision -
Decision Reference DRN1391852
7 Aug 2019 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs H complain about the advice given to them by AWD Home Finance Limited, a mortgage broker and an appointed representative of Legal & General Partnership Services Limited. They say they were mis-sold a mortgage and a will package. A claims management company (CMC) brings this ... (3 pages)View decision -
Decision Reference DRN-2916616
15 Jul 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2916616 The complaint Mrs S complains that Barclays Bank Plc trading as Barclaycard (Barclaycard) lent to her irresponsibly. Mrs S is represented by Mr S, her husband. What happened Mrs S had a credit card from Barclaycard from 2012. Between 2013 and 2018, her credit limit was increase... (4 pages)View decision -
Decision Reference DRN6171631
20 Mar 2014 R. Raphael & Sons Plc Not upheldBanking and creditMs G complains that R. Raphael & Sons plc, trading as Monument, will not write off her outstanding debt to it. backgroundMs G owes a credit card debt to Monument. It agreed to accept reduced monthly repayments of £9 each month, which was then reduced to £3 each month and she is ... (1 page)View decision -
Decision Reference DRN9828461
3 Mar 2015 Liverpool Victoria Friendly Society Limited Not upheldPayment protection insurance (PPI)Miss J’s complaint is about the compensation offered by Liverpool Victoria Friendly Society Limited (Liverpool Victoria) to settle her complaint related to a mis-sold payment protection insurance (PPI) policy.backgroundThe background to this complaint can be found in my provisional deci... (3 pages)View decision
