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 70772 results
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Decision Reference DRN-5077072
20 Nov 2024 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-5077072 The complaint Mr D has complained about Lowell Portfolio I Ltd taking a regularly scheduled token payment while their contact was on hold. What happened This complaint surrounds a credit card account which was taken out in 1996, defaulted in 2003, and was eventually purchase... (3 pages)View decision -
Decision Reference DRN7130954
18 Sep 2017 Hoist Finance UK Limited Not upheldBanking and creditMrs C complains that she’s being wrongly pursued for debts by Hoist Finance UK Limited (Hoist). backgroundMrs C had been making monthly payments to Hoist in respect of three separate debts via a Debt Management Plan for a number of years. But she’s recently been ... (2 pages)View decision -
Decision Reference DRN7792896
2 Dec 2014 Lloyds Bank PLC Not upheldBanking and creditMr L complains that Lloyds Bank PLC went back on assurances it gave him about how he could deal with his bank accounts, defaulting and closing his current account without telling him. backgroundMr L held his personal banking with Lloyds and also had business banking with Lloyds in res... (3 pages)View decision -
Decision Reference DRN9580687
2 Sep 2014 National Westminster Bank Plc Not upheldBanking and creditMr Y complains about the way he has been treated by National Westminster Bank Plc, in connection with both his personal accounts and a guarantee he gave for the debt of a company of which he was a director.backgroundpersonal accountsMr Y had a personal loan account and a mortgage with... (4 pages)View decision -
Decision Reference DRN8695937
16 Sep 2014 Vanquis Bank Limited UpheldBanking and creditMr F complained because he was being pursued by a debt collection agency for a credit card debt to Vanquis Bank Limited. Mr F said he had paid £800 to a doorstep collector as a deal to end his debts, and therefore no money was due. He wants the account to be closed so he is no lon... (2 pages)View decision -
Decision Reference DRN4140397
4 Apr 2019 Hoist Finance UK Limited Not upheldBanking and creditMr D complains that Hoist Finance UK Limited, represented by Robinson Way Ltd (“Robinson Way”), failed to tell him about a debt that he had with them when he asked to clear all of his debt. backgroundIn 2017 Mr D sold a property and wanted to clear all of his debt.... (2 pages)View decision -
Decision Reference DRN1451502
9 Nov 2015 Bank of Scotland Plc Not upheldBanking and creditMr H is unhappy that Bank of Scotland plc (trading as Halifax) won’t pay him directly a refund it’s offered to make of charges, interest and fees applied to his credit card and current accounts. backgroundSome years ago Mr H ran into some money problems and wasn’t ... (2 pages)View decision -
Decision Reference DRN4537615
7 Oct 2020 Barclays Bank UK PLC Not upheldBanking and creditMr and Mrs T complain that Barclays Bank UK PLC mis-sold their mortgage. They say it didn’t consider how they would repay the interest only part of their mortgage, it didn’t adequately assess the suitability of consolidating unsecured debts and it didn’t consider how they would repay the m... (3 pages)View decision -
Decision Reference DRN-4344208
17 Jan 2024 Capquest Debt Recovery Limited UpheldConsumer CreditDRN-4344208 The complaint Mr L complains Capquest Debt Recovery Limited told him they’d acquired a County Court Judgment (CCJ) for his debt when they didn’t. And he says Capquest have used this information to get him to repay the debt which he doesn’t think is fair. Capquest have used agen... (3 pages)View decision -
Decision Reference DRN9560654
29 Aug 2014 National Westminster Bank Plc UpheldPayment protection insurance (PPI)Mr J brought his complaint to this service as he was unhappy that National Westminster Bank Plc (NatWest) wanted to use the compensation connected with a complaint about a payment protection insurance (PPI) policy to offset an outstanding debt related to a current account overdraft and... (3 pages)View decision
