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
-
Decision Reference DRN7752184
11 Jul 2017 Paragon Finance Plc Not upheldBanking and creditMr H complains that Paragon Finance PLC have not reported arrears correctly to the credit reference agencies.backgroundMr H’s three credit card debts were originally sold in 2012. Paragon Finance PLC (trading as Idem) acquired them in December 2016. Idem say that, prior... (2 pages)View decision -
Decision Reference DRN9305077
23 Oct 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMrs R, who trades as Business D, complains that The Royal Bank of Scotland Plc (“RBS”) has allowed her to borrow more money than she could afford to repay.backgroundMrs R is a sole trader operating as Business D. Her business account is held with RBS. Between 2008 and... (3 pages)View decision -
Decision Reference DRN0935708
17 Mar 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr B complains that he was given unsuitable mortgage advice by an appointed representative of Legal & General Partnership Services Limited. Mr B is represented in this matter by a third party.backgroundIn early 2007 Mr B met an appointed representative of Legal &a... (2 pages)View decision -
Decision Reference DRN-1994103
13 Jul 2020 Tesco Personal Finance PLC Not upheldBanking and PaymentsThe complaint Mr B complains that Tesco Personal Finance PLC is seeking to hold him liable for an outstanding credit card debt. He says his former partner opened the credit card account in his name and without his knowledge and that he shouldn't therefore be held responsible for th... (3 pages)View decision -
Decision Reference DRN-3970503
16 Feb 2023 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3970503 The complaint Miss A is unhappy with the actions of National Westminster Bank Plc (“NatWest”) after she reported what she believed to be a duplicate payment from her account. What happened I issued a provisional decision in January 2023 to explain why I thought Miss A’s complai... (5 pages)View decision -
Decision Reference DRN-3797903
10 Nov 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3797903 The complaint Ms B is complaining that HSBC UK Bank Plc closed her credit card account. What happened Ms B had a credit card account with HSBC. In September 2016, September 2017 and September 2018 HSBC sent Ms B ‘persistent debt letters’ which explained that she was only making... (5 pages)View decision -
Decision Reference DRN1411875
6 May 2016 Lowell Portfolio I Ltd Not upheldBanking and creditMr P complains that Lowell Portfolio I Ltd (the business) instigated legal proceedings against him when it had no right to.backgroundMr P says that the business instigated legal proceedings against him for a debt it had not provided evidence that it owned. He says p... (3 pages)View decision -
Decision Reference DRN-3260682
15 Feb 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3260682 The complaint Miss M complained about two guarantor loans granted to her by GeorgeBanco.com Limited (“GBL”). GBL has since been acquired by Everyday Lending Limited. So, for ease, I shall refer to the lender as ELL below. What happened ELL agreed two guarantor loans for Miss M.... (6 pages)View decision -
Decision Reference DRN-1477072
17 Apr 2020 MBNA Limited UpheldBanking and PaymentsDRN-1477072 The complaintMr C is unhappy with the way MBNA Limited (MBNA) sold and communicated the sale of his debt to another business. What happenedMr C had set up a payment plan with MBNA in 2015 for his credit card and made all payments due. MBNA say they wrote to him on 13 August 20... (2 pages)View decision -
Decision Reference DRN0375368
21 Dec 2015 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Ms G complains that Lloyds Bank PLC has been chasing her for a loan to be repaid which she says was written off in 2010. Ms G wants Lloyds to confirm the loan has been cleared.backgroundMs G took out a loan in 2003 with Lloyds. At some time during the loan, Ms G bou... (2 pages)View decision