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 70898 results
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Decision Reference DRN7060341
25 Sep 2014 Bank of Scotland Plc Not upheldBanking and creditMiss G complains about the way Bank of Scotland plc treated her during a period of financial difficulty. She says she thought the bank had stopped applying interest and charges to her credit card account, but it hadn’t, and she understood the debt had been written off and she need... (2 pages)View decision -
Decision Reference DRN1462552
30 Apr 2019 BW Legal Services Limited Not upheldBanking and creditMr R complains that BW Legal Services Limited (“BWLS”) is pursuing him for a debt that isn’t his.backgroundIn January 2017 Mr R received a letter from BWLS that explained they had been asked to recover the outstanding debt that he owed to their client – who I’ll call... (2 pages)View decision -
Decision Reference DRN0293399
8 Dec 2017 Cabot Credit Management Group Limited Not upheldBanking and creditMr W complains that Cabot Credit Management Group Limited (the business) is attempting to collect payments from him on a debt he believes has been settled.backgroundMr W opened a credit card account in 2008. This account was closed in December 2010 and a default recorde... (2 pages)View decision -
Decision Reference DRN-3565622
14 Sep 2022 Marks & Spencer Financial Services plc Not upheldBanking and PaymentsDRN-3565622 The complaint Miss S is unhappy that Marks & Spencer Financial Services Plc, trading as M&S Bank, refused to allow her to pay an outstanding balance she owed them in instalments and reported adverse information to her credit account because of that outstanding balance. ... (3 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 DRN5707146
8 Mar 2019 Creation Consumer Finance Ltd Not upheldBanking and creditMr M complains that Creation Consumer Finance Ltd provided him with poor service and hasn’t treated him fairly. He wants it to write off the remaining balance on his account.background The background to this complaint is set out in my provisional decision dated 21 ... (7 pages)View decision -
Decision Reference DRN8730994
16 Jul 2015 Marlin Capital Europe Limited UpheldBanking and creditMr A has complained that Marlin Capital Europe Limited is pursuing him for a debt that is statute-barred.backgroundMr A has explained that he used to have a credit card with a third party. He says the third party registered a default on his credit file over six ye... (2 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 DRN4405102
31 Mar 2014 Welcome Financial Services Limited Not upheldBanking and creditMr D complains that Welcome Financial Services Limited is trying to collect the outstanding balance on a loan. He says that there is no evidence to say that this debt is his and that the debt is in any event statute barred.backgroundIn September 2005 a loan for £1,500 plus £536.16 for pa... (2 pages)View decision
