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 DRN6054252
30 Dec 2019 Bank of Scotland Plc Not upheldBanking and creditMiss H complains that Bank of Scotland plc trading as Halifax forced her into debt following a loan she says she was pressurised into taking out in 2011.backgroundMiss H says in 2011 Halifax reviewed her finances. She says at the time she had about £24,000 in savings and a credit card debt... (2 pages)View decision -
Decision Reference DRN8866432
31 Mar 2015 Canada Square Operations Limited UpheldPayment protection insurance (PPI)Mr B’s complaint is that Canada Square Operations Limited, trading as CitiFinancial Europe Plc (“Citi”) mis-sold him payment protection insurance (“PPI”) policies with a chain of two loans in 2003 and 2004.backgroundCiti upheld Mr B’s complaint and made an offer w... (3 pages)View decision -
Decision Reference DRN3096301
22 Feb 2018 MBNA Limited Not upheldBanking and creditMrs L complains that MBNA Limited acted unfairly by accepting payments from her and then selling the debt to a collection agency. She also complains MBNA didn’t properly deal with her request under section 78 of the Consumer Credit Act 1974.background In January 2016,... (2 pages)View decision -
Decision Reference DRN0121597
19 Feb 2020 Kensington Mortgage Company Limited Not upheldBanking and creditMs D has complained that, on 7 January 2019, Kensington Mortgage Company Limited paid an outstanding rentcharge of £1,874.02 when there was a payment plan in place with the management company.backgroundMs D has a mortgage account with Kensington on a property which is subject to a rentchar... (3 pages)View decision -
Decision Reference DRN7898878
14 Aug 2015 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs F complain about two loans sold to them by Lloyds Bank Plc in 2009 and howLloyds handled their credit cards at that time.background I issued my provisional decision in July 2015, a copy of which is attached and forms part of this final decision. In my ... (6 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 DRN8310513
16 Nov 2015 Lloyds Bank PLC UpheldBanking and creditMr and Mrs R complain that Lloyds Bank plc added interest to a debt they were repaying when they were having financial problems. They also complain of poor customer service. They’d like the interest they paid from 2009 to 2011 refunded.backgroundMr and Mrs R say a... (2 pages)View decision -
Decision Reference DRN9857314
9 Dec 2013 Bank of Scotland Plc Not upheldBanking and creditMr R is unhappy that Bank of Scotland plc (trading as Halifax) is pursuing him for an outstanding debt on his credit card.backgroundMr R entered into an agreement with Halifax in August 2011 to pay £150 per month for 12 months to his credit card account. Halifax agreed to suspend charge... (2 pages)View decision -
Decision Reference DRN3613275
1 Dec 2016 Lowell Portfolio I Ltd Not upheldBanking and creditMr B complains that Lowell Portfolio I Ltd (“Lowell”) is seeking to recover a debt from him which he says is statute barred and so irrecoverable.backgroundLowell says that in December 2012, it bought a debt which Mr B owed to a company I will call Company M. It says ... (2 pages)View decision -
Decision Reference DRN3588576
24 Oct 2019 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr M doesn’t think it’s fair for The Royal Bank of Scotland Plc (RBS) to use his payment protection insurance (PPI) compensation to reduce a debt from which he was discharged when his protected trust deed came to an end.backgroundI issued my provisional decision on 22 August 2019. A copy o... (4 pages)View decision
