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 70370 results
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Decision Reference DRN-1374198
8 May 2020 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-1374198 The complaintMiss H complains that The Co-operative Bank plc( Co-op) unfairly registered a default on her credit file. What happenedMiss H says Co-op registered a default on her credit file in 2016 when she had told it about her financial problems and that she had approached a ... (2 pages)View decision -
Decision Reference DRN-2785227
20 Jul 2022 Union Reiseversicherung AG UpheldInsuranceDRN-2785227 The complaint Mr and Mrs P are unhappy with the way that Union Reiseversicherung AG handled a claim they made on their travel insurance policy. What happened In July 2019 Mr and Mrs P, were on holiday with their two children who I’ll refer to as P1 and P2. They were involved in... (8 pages)View decision -
Decision Reference DRN9942767
26 Feb 2014 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs H complain that Bank of Scotland plc has not responded to their financial difficulties properly and that it has pursued them aggressively for repayment of a business debt.backgroundMr and Mrs H had a business overdraft with Bank of Scotland. They experienced financial diffic... (2 pages)View decision -
Decision Reference DRN2261871
19 Jun 2013 Lloyds TSB Bank Plc Not upheldPayment protection insurance (PPI)Mr T complains that Lloyds TSB Bank Plc acted incorrectly in pursuit of a guarantee liability. He says the bank did not follow the correct procedure before applying for a possession order and has mis-calculated the sum owed.backgroundMr T was a guarantor of a business loan. After the ... (2 pages)View decision -
Decision Reference DRN7510217
31 Mar 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMiss D complains that Lowell Portfolio I Ltd (“LPI”) placed her account with its external solicitors to recover her debt. As a result, she has been charged over £300 court fees. She doesn’t think she should have to pay this amount. She wants the money refunded and a... (2 pages)View decision -
Decision Reference DRN2748257
6 Apr 2018 Cabot Credit Management Group Limited Not upheldBanking and creditMr H complains that Cabot Credit Management Group Limited is chasing him for a debt he says was statute barred when it was made subject of a County Court Judgment (CCJ) in 2014. He denies all liability. He wants the judgment removed and compensationbackgroundMr H tells ... (2 pages)View decision -
Decision Reference DRN7551860
30 Sep 2013 Bank of Scotland Plc Not upheldBanking and creditMr C complains that Bank of Scotland plc (trading as Halifax) did not remove his name from the joint account he held with his ex-wife, despite several requests. The account is overdrawn and Mr C is being pursued for the outstanding balance. Mr C disputes that he is responsible for the ac... (1 page)View decision -
Decision Reference DRN1254260
7 Feb 2019 Gregory Pennington Limited Not upheldBanking and creditMr and Mrs K complain about the advice they received from Gregory Pennington Limited (“GPL”) in relation to their debt management plan.backgroundMr and Mrs K say they had a debt management plan (“DMP”) with GPL between 2004 and 2012. They say they asked about an i... (2 pages)View decision -
Decision Reference DRN9515129
6 May 2014 Firstplus Financial Group Plc Not upheldBanking and creditMr and Mrs F complain that their secured loan with Firstplus Financial Group Plc (Firstplus) was unsuitable to their circumstances because it extended beyond state retirement age.backgroundMr and Mrs F took out a secured loan for £60,000 over a term of 168 months with Firstplus through... (2 pages)View decision -
Decision Reference DRN-3194637
30 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3194637 The complaint Ms H complains that NewDay Ltd (trading as Aqua) lent irresponsibly when it increased her credit card limit. What happened Ms H opened a credit card account with Aqua in early 2018. But within a few months the credit limit had more than doubled. And by the end of ... (3 pages)View decision
