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 71523 results
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Decision Reference DRN-2892344
14 Jul 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2892344 The complaint Mr P complains that Bank of Scotland plc (BOS) unfairly placed default markers on is credit file. What happened Mr P had a credit card with BOS. In July 2016, a notice of default was sent to Mr P. In October 2016, BOS registered the default and the debt of £1278 w... (3 pages)View decision -
Decision Reference DRN6849344
31 Aug 2016 Baines & Ernst Limited Not upheldBanking and creditMiss L and her representative are unhappy about the advice she was given by Baines & Ernst Limited to enter into a debt management plan. They say it was mis-sold to her and wasn’t the appropriate solution for her situation. There were also other free alterna... (2 pages)View decision -
Decision Reference DRN1597949
5 Aug 2015 Microcredit Limited UpheldBanking and creditMs D has complained that Microcredit Limited mishandled her loan, and unfairly applied fees and charges. She has also complained about it customer service.backgroundMs D took out a loan with Microcredit. However, she realised it was collecting payments early, which caused ... (2 pages)View decision -
Decision Reference DRN7745479
15 Jan 2016 National Westminster Bank Plc Not upheldBanking and creditMr G complains about the way National Westminster Bank Plc managed his accounts - in particular about delays in recording on his credit file that an outstanding debt had been settled and in paying an agreed compensation amount.background Mr G had some difficulty in main... (2 pages)View decision -
Decision Reference DRN6399867
24 Apr 2013 Welcome Financial Services Limited Not upheldPayment protection insurance (PPI)This complaint concerns the redress that Welcome owe to Miss A following her complaint about the mis-selling of two payment protection insurance policies. Welcome want to use the redress of circa £6,000 from the mis-selling of the policies to offset arrears on Miss A’s existing loan acco... (3 pages)View decision -
Decision Reference DRN3371176
20 Feb 2015 The Mortgage Matters Partnership Not upheldBanking and creditMr and Mrs G complain that they were mis-sold a mortgage by The Mortgage Matters Partnership (MMP).backgroundMr and Mrs G had a mortgage, a secured loan, and some unsecured loans and credit cards. Acting on MMP’s recommendation, they re-mortgaged, consolidating their other debts to the... (2 pages)View decision -
Decision Reference DRN-2705667
29 Apr 2021 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2705667 The complaint Mr B complains that National Westminster Bank Plc (NatWest) shouldn’t have applied a default against him. What happened Mr B had an account with NatWest since 2011. He was in financial difficulty. He entered into an Individual Voluntary Agreement (IVA) in February... (3 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 DRN4627976
24 Oct 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs B complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).backgroundOn two occasions, in 2005 and 2007, Mr and Mrs B took mortgage advice from L&G. In 2005 they re-mortgaged – changing lender... (2 pages)View decision -
Decision Reference DRN-3315228
28 Mar 2022 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-3315228 The complaint Mrs S has complained about Cabot Credit Management Group Limited pursuing her for a debt which she says she doesn’t owe. What happened This complaint surrounds a credit card account which was sold to Cabot. In 2017, a county court judgement (CCJ) was granted again... (2 pages)View decision
