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 70502 results
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Decision Reference DRN4589294
8 Oct 2018 Debt and Credit Ltd UpheldBanking and creditMr S complains that Debt and Credit Ltd (Debt and Credit) have overcharged him for managing his Debt Management Plan (DMP). He also complains that Debt and Credit shouldn’t have transferred his plan to another company without his consent.backgroundMr S entered into ... (4 pages)View decision -
Decision Reference DRN-3605511
25 Jul 2022 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3605511 The complaint Mrs C complains that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) lent to her irresponsibly and didn’t help her when she was in financial difficulty. What happened Mrs C applied online for a credit card in July 2016 – she asked for a balance transfer o... (5 pages)View decision -
Decision Reference DRN1789161
24 Apr 2014 HSBC Bank plc Not upheldBanking and creditMr G complains that HSBC Bank Plc is holding him responsible for a debt on a credit card account. Mr G says he did not authorise the transactions – nor add the additional card holder he says carried them out. He says the bank changed the address on the account without his authority – al... (3 pages)View decision -
Decision Reference DRN6527982
15 Jan 2021 Lowell Financial Ltd Not upheldBanking and creditMrs C complains that Lowell Financial Ltd contacted her over an extended period of time about debts that didn’t belong to her. She also complains about the impact this has had on her credit file. background I’ll set out the chronology of what’s happened as far as I understand it. Lowell se... (3 pages)View decision -
Decision Reference DRN-3365220
28 Apr 2022 Topaz Finance Limited Not upheldMortgagesDRN-3365220 The complaint Ms L complains that Topaz Finance Limited unfairly recorded a default on her credit file. She says she’s been unable to get a mortgage. She asks that the default is removed and for compensation for her distress and inconvenience. What happened Ms L took out a join... (2 pages)View decision -
Decision Reference DRN-3166970
22 Feb 2022 New Wave Capital Limited UpheldBanking and PaymentsDRN-3166970 The complaint R, a limited company, has complained New Wave Capital Limited, trading as Capital on Tap, continues to hold them liable for a debt that isn’t theirs. Mr A is a director of R and represents R in their complaint. What happened In December 2019 after being pursued fo... (3 pages)View decision -
Decision Reference DRN4183620
13 Feb 2017 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr D is unhappy with the compensation Bank of Scotland plc (BoS) has offered to settle his complaint about a number of mis-sold payment protection insurance (PPI) policies.backgroundMr D took out 10 loans with BoS which all refinanced each other in a chain of loans. ... (4 pages)View decision -
Decision Reference DRN2167706
18 Mar 2016 MBNA Limited Not upheldPayment protection insurance (PPI)Ms H has complained that she was mis-sold a payment protection insurance (“PPI”) policy by MBNA Limited (“MBNA”).background Ms H took out a credit card with MBNA in October 2000 and at the same time took out a PPI policy to protect her repayments.Ms H wasn’t able to ... (6 pages)View decision -
Decision Reference DRN3591007
17 May 2017 TSB Bank plc UpheldBanking and creditMiss D complains that TSB Bank Plc (TSB) mis-sold her a personal loan to consolidate her existing debts, and has incorrectly defined her bank account as being a staff account.backgroundMiss D has been a customer of TSB for some years. Around the start of 2015, TS... (3 pages)View decision -
Decision Reference DRN5405197
1 Jun 2020 Arrow Global Limited Not upheldBanking and creditMrs T complains Arrow Global Limited (Arrow) secured a County Court judgment (CCJ) against her for a debt she understood to have been settled and was over 11 years old. She says the debt is unenforceable and asks that the CCJ to be removed.backgroundMrs T held a credit card with an outstan... (3 pages)View decision
