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 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 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 DRN1487274
31 Jul 2013 Mackenzie Hall Limited Not upheldBanking and creditMr D complains that Mackenzie Hall Limited (“Mackenzie Hall”) has wrongly pursued him for a debt which he says he does not owe. He says he has been the victim of stolen identity and would like the business to stop contacting him about the debt. Mackenzie Hall had the debt referred to it... (1 page)View decision -
Decision Reference DRN5858418
31 Jul 2013 Ruthbridge Limited Not upheldBanking and creditMr D complains that Ruthbridge Limited (Ruthbridge) has wrongly pursued him for a debt which he says he does not owe. He says he has been the victim of stolen identity and would like Ruthbridge to stop contacting him about the debt. Ruthbridge had taken over the debt from a third party... (1 page)View decision -
Decision Reference DRN2679142
15 Nov 2019 Bank of Scotland Plc UpheldBanking and creditMr K’s complaint is about a debt he was being chased for that related to someone else. Mr K says Bank of Scotland’s actions caused him loss. background Bank of Scotland were chasing a debt which they thought belonged to Mr K. The debt was in fact against someone else who had the same name ... (2 pages)View decision -
Decision Reference DRN2160178
11 May 2016 Debitum Limited UpheldBanking and creditMrs D complains that the debt plan she took through Debitum Limited was mis-sold and not administered properly. backgroundMrs D took a debt plan with Debitum in January 2011. She says that, at the time, she was steadily repaying her debts but that the Debitum represent... (2 pages)View decision -
Decision Reference DRN1666603
28 Dec 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr R has complained about a financial management plan (the ‘plan’) he entered into with Harrington Brooks (Accountants) Limited. Mr R has been represented in bringing his complaint. But for clarity, I’ll refer to all submissions made on his behalf as having been made... (2 pages)View decision -
Decision Reference DRN4996766
13 Aug 2014 HSBC Bank plc Not upheldBanking and creditMr M complained because he said that HSBC Bank Plc had transferred money from his personal account to his business loan without telling him. He said that £1,300 of overdraft fees should be waived as he didn’t owe them, and complained that the bank’s calls to his mother distressed her.... (2 pages)View decision -
Decision Reference DRN1144919
23 Jan 2015 HSBC Bank plc Not upheldBanking and creditMr E complains that HSBC Bank Plc did not notify him that it had removed his overdraft facility and that it recorded a default on his credit file which it has not removed despite him clearing his debt. backgroundMr E had a current account with a small overdraft limit. He did not make re... (2 pages)View decision -
Decision Reference DRN6765104
17 Aug 2015 Digital Finance Services UK Limited UpheldBanking and creditMs F is concerned that Digital Finance Services Limited (DFS) is seeking to recover a debt from her, but it’s unable to explain the outstanding balance to her. She is also concerned that the initial loan of £200 has grown to an outstanding balance of over £2,000. Sh... (2 pages)View decision