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 69711 results
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Decision Reference DRN3050152
13 Jul 2015 CT Capital PLC Not upheldBanking and creditMr and Mrs O complain that a representative of CT Capital PLC gave them unsuitable advice about a mortgage. They ask for compensation. backgroundMr and Mrs O had a mortgage, a secured loan and unsecured debts. They wanted to reduce their monthly debt payments and, in ... (3 pages)View decision -
Decision Reference DRN-2635200
3 Mar 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2635200 The complaint Mr J complained that he shouldn’t have been given a credit card by Vanquis Bank Limited (Vanquis) and they lent to him irresponsibly. What happened Mr J was given a credit card by Vanquis in 2015 with a limit of £250. The limit was increased by Vanquis as follows:... (4 pages)View decision -
Decision Reference DRN-3949728
9 May 2023 Link Financial Outsourcing Limited UpheldBanking and PaymentsDRN-3949728 The complaint Mrs J complains that Link Financial Outsourcing Limited trading as Link Financial did not write off her debt due to her medical issues and took too long to notify her of this. What happened Mrs J and her husband Mr J, though this decision will focus on Mrs J’s acc... (3 pages)View decision -
Decision Reference DRN-1762435
12 Aug 2020 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-1762435The complaintMr R complains about the actions of Cabot Credit Management Group Limited trading as Cabot Financial (Europe) Limited (Cabot) when trying to recover two debts it acquired from another business. What happenedMr R had two credit card debts with a different business th... (2 pages)View decision -
Decision Reference DRN9172974
7 Aug 2014 HSBC Bank plc Not upheldBanking and creditMr F complains that HSBC Bank plc has sold a debt he owes to a third party, that the amount outstanding has been overstated and that he has not been provided with a proper explanation or documentation.background Mr F had two loans with HSBC one of which he says he paid off. HSBC says t... (2 pages)View decision -
Decision Reference DRN5274752
3 Dec 2015 Barclays Bank Plc Not upheldBanking and creditMr E complains Barclays Bank Plc recorded default information on his credit file about his personal and business accounts. He thinks it gave him vague information and didn’t advise him properly about his business debts.backgroundMr E told us Barclays dealt with his ... (3 pages)View decision -
Decision Reference DRN4672381
8 Aug 2016 Wescot Credit Services Limited UpheldBanking and creditMr and Mrs B complain that Wescot Credit Services Limited pursued an old debt they no longer owed.background I trust that Mr and Mrs B will understand that the following is a brief summary of the background to their complaint and does not go into detail, but they can... (2 pages)View decision -
Decision Reference DRN-3652910
7 Dec 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3652910 The complaint Mr R’s complaint is about National Westminster Bank Plc. The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll focus on giving my reasons for my decision. What I’ve decided – and why I’ve considered all the a... (2 pages)View decision -
Decision Reference DRN3627582
31 Mar 2016 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Miss S’s complaint is about how The Royal Bank of Scotland Plc (RBS) used the compensation it offered to settle her complaint about mis-sale payment protection insurance (PPI).backgroundMiss S complained to RBS about PPI sold to her with two loans. RBS offered to se... (3 pages)View decision -
Decision Reference DRN-3758203
15 Dec 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3758203 The complaint Miss D complains that Barclays Bank UK PLC held her liable for credit card transactions she says she didn’t make, which led to her entering into an IVA. She’d like the transactions refunded and compensation. What happened Miss D held a credit card account with Bar... (3 pages)View decision
