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
-
Decision Reference DRN8290468
13 Mar 2015 Lowell Financial Ltd Not upheldBanking and creditMrs E complains that Lowell Financial Ltd has pursued her for a debt that isn’t hers.backgroundA debt was transferred to Lowell in March 2014.Mrs E asked Lowell for proof that it owned the debt. Lowell requested evidence from the original creditor and sent this to M... (1 page)View decision -
Decision Reference DRN9078705
7 Sep 2017 Arrow Global Limited Not upheldBanking and creditMr O complains that Arrow Global Limited has taken payments from him toward a debt it does not own. He would like for his payments to be refunded.backgroundMr O owed a debt to another company. In 2014 he was making payments to Arrow, apparently in relation to thi... (1 page)View decision -
Decision Reference DRN9683419
18 Sep 2018 Vanquis Bank Limited UpheldBanking and creditMs B complains that Vanquis Bank Limited (Vanquis) is pursuing her for a loan debt for which she says she is not liable. She believes she has been a victim of identity theft and disputes that she ever took out a loan with either Vanquis or its third party sister ... (2 pages)View decision -
Decision Reference DRN4735155
18 Oct 2013 Everyday Loans Limited Not upheldBanking and creditMs F complains that Everyday Loans Limited mis-sold a loan to her and prevented her from cancelling it. She says it later sold the loan on to a debt purchaser which pursued her for the balance, causing her stress and health difficulties. background Ms F took out a loan for £2,100 in Apr... (2 pages)View decision -
Decision Reference DRN-4889783
15 Jul 2024 Nationwide Building Society UpheldConsumer CreditDRN-4889783 The complaint Mr R complains that Nationwide Building Society lent to him irresponsibly. What happened Mr R took out three personal loans with Nationwide. Loan 1 was taken out in July 2016 for £1,500 repayable over 36 months at £46.10 per month. Loan 2 was taken out in Novem... (4 pages)View decision -
Decision Reference DRN6816552
20 May 2014 HSBC Bank plc Not upheldBanking and creditMr U, a director of a company, T, complains that HSBC Bank plc wrongly closed the company’s account without giving the required two months’ notice. As that closure prevented the company from continuing to trade, he wants the bank to agree that it cannot require repayment of the outstan... (2 pages)View decision -
Decision Reference DRN9077114
24 Oct 2018 Shop Direct Finance Company Limited UpheldBanking and creditMrs T complains that Shop Direct Finance Company Limited (“SDFC”) defaulted her credit account against her wishes although she was maintaining small regular payments. She is represented in bringing this complaint by her husband, Mr T.background Mrs T had a credit accou... (2 pages)View decision -
Decision Reference DRN3650107
8 Mar 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr S is unhappy with how Harrington Brooks (Accountants) Limited handled his debt management plan (“DMP”). background The background to Mr S’s complaint was set out in the provisional decision. In it, the ombudsman explained why he thought Harrington Brooks could’ve ... (2 pages)View decision -
Decision Reference DRN7247197
19 Nov 2019 Admiral Insurance Company Limited Not upheldInsurance (excluding PPI)ComplaintMr B complains that Admiral Insurance Company Limited has declined his claim for the theft of his car.BackgroundMr B made a claim to Admiral under his motor insurance policy for the theft of his car, after he reported it was stolen from outside a relative’s house.Admiral instruct... (3 pages)View decision -
Decision Reference DRN7358819
9 Oct 2017 Lloyds Bank PLC Not upheldBanking and creditMr S complains that Lloyds Bank PLC agreed to stop applying interest to his credit card balance because he would be paying the outstanding amount in full but then did so anyway. He is unhappy that the debt has been passed on to a debt recovery organisation.background... (2 pages)View decision
