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 69710 results
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Decision Reference DRN7038276
25 May 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMr H’s complaint is that he was badly advised by Legal & General Partnership Services Limited (L&G). He says that he was mis-sold a mortgage in 2008 as the advice to consolidate debts into an interest-only mortgage was unsuitable. No repayment vehicle was recomme... (3 pages)View decision -
Decision Reference DRN4690729
9 Aug 2019 Santander UK Plc Not upheldBanking and creditMr O complains that Santander UK plc told him, three times, that his debts with it had been “written off”.backgroundMr O had two accounts and a loan with Santander. All three accounts were defaulted in 2013. The loan was passed to a debt collection agency and has since been settled. Mr O h... (3 pages)View decision -
Decision Reference DRN1451502
9 Nov 2015 Bank of Scotland Plc Not upheldBanking and creditMr H is unhappy that Bank of Scotland plc (trading as Halifax) won’t pay him directly a refund it’s offered to make of charges, interest and fees applied to his credit card and current accounts. backgroundSome years ago Mr H ran into some money problems and wasn’t ... (2 pages)View decision -
Decision Reference DRN3795853
16 Jul 2014 DFH Limited Not upheldBanking and creditMiss H complains that DFH Limited mis-advised her in relation to a debt management plan, as it did not warn her that her credit record may be affected.backgroundIn 2011, Miss H entered into a debt management plan with DFH. She discussed the outstanding balances on her credit accounts, a... (2 pages)View decision -
Decision Reference DRN7435334
3 Dec 2015 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr K’s complaint is about the payment of compensation by The Royal Bank of Scotland Plc (“RBS”) for the sale of payment protection insurance (“PPI”).backgroundIn this decision, I’m going to look at Mr K’s complaints about the compensation he’s been paid for two PPI po... (3 pages)View decision -
Decision Reference DRN3943103
5 May 2015 Barclays Bank Plc UpheldBanking and creditMr M complains that Barclays Bank Plc telephoned him in October 2014 chasing loan debts he does not believe he owes. And when Mr M attempted to call back it would not speak with him as he failed the security checks. He wants the debt written off and compensation ... (2 pages)View decision -
Decision Reference DRN7820700
2 Jul 2020 Link Financial Outsourcing Limited Not upheldBanking and creditMs L complains that Link Financial Outsourcing Limited is pursuing her for a debt she doesn’t believe she owes. background Link says that in September 1996 Ms L opened a credit card account with a bank. Unfortunately, Ms L suffered some financial difficulties and the account developed arre... (3 pages)View decision -
Decision Reference DRN-3687453
6 Sep 2022 PRA Group (UK) Limited Not upheldBanking and PaymentsDRN-3687453 The complaint Mr N complains PRA Group (UK) Limited are asking him to repay a debt he says they shouldn’t be. He also complains they’ve recorded a default against his credit file for this alleged debt. . A representative has supported Mr N in bringing this complaint, but for si... (4 pages)View decision -
Decision Reference DRN-4308138
30 Aug 2023 Premier Mortgages (North West) Limited UpheldMortgagesDRN-4308138 The complaint The estate of the late Mr S complains about a second charge mortgage (secured loan) Mr S took out on the recommendation of Premier Mortgages (North West) Limited trading as Mortgageable. The estate complains that the loan was mis-sold to Mr S and wasn’t suitable f... (7 pages)View decision -
Decision Reference DRN-5002151
18 Sep 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5002151 The complaint Mr O complains that Barclays Bank UK PLC allowed him to take out cash advances whilst he was in persistent debt. What happened Mr O is unhappy that Barclays allowed him to take out cash advances and use his credit card for purchases whilst he was in persistent ... (2 pages)View decision
