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 74313 results
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Decision Reference DRN-1715940
6 Apr 2020 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-1715940The complaintMr O is unhappy with the way that Tesco Personal Finance Plc ("Tesco") has handled his credit card account, particularly as it has sold the debt on to a third party. What happenedWe looked at an earlier complaint between Mr O and Tesco in relation to this ... (4 pages)View decision -
Decision Reference DRN3659441
11 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMiss L and Mr R through their claims management company complain that the advice provided by Legal & General Partnership Services Limited to consolidate their debts was unsuitable.backgroundMiss L and Mr R had an existing mortgage. They remortgaged following advice f... (1 page)View decision -
Decision Reference DRN9579504
10 Nov 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs F complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).backgroundIn 2006 L&G’s representative recommended a two year fixed rate mortgage on a repayment basis to Mr an... (3 pages)View decision -
Decision Reference DRN2329230
10 Apr 2018 Santander UK Plc Not upheldBanking and creditMr A complains that Santander UK Plc has applied charges unfairly to his account and sold the outstanding debt to a third party debt collection agency.backgroundMr A had two accounts with Santander. His main current account had a monthly direct-debit payment going ou... (2 pages)View decision -
Decision Reference DRN-4477857
19 Dec 2023 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-4477857 The complaint Mr M has complained about Cabot Credit Management Group Limited, saying they used a legal threat to get him to pay towards an unenforceable account. What happened Mr M had several debts with Cabot. This complaint surrounds a defaulted credit card account which was... (2 pages)View decision -
Decision Reference DRN-4786373
9 Aug 2024 Totemic Limited Not upheldConsumer CreditDRN-4786373 The complaint Mr R is unhappy that Totemic Limited trading as PayPlan will not write off his outstanding debts due to ill health. What happened Mr R is unhappy with the way that PayPlan has administered his account. Mr R says that the medical reports he supplied to PayPlan a... (3 pages)View decision -
Decision Reference DRN6640841
20 May 2014 HSBC Bank plc Not upheldBanking and creditMr and Mrs R complain that HSBC Bank plc is wrongly requiring them to pay £175,000, rather than £100,000, under security they gave in 2003 for the debt of their son-in-law’s business. They want the bank to accept that they are only required to pay £100,000.Mr and Mrs R are supported in the... (4 pages)View decision -
Decision Reference DRN2923843
15 Mar 2016 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr D is complaining about the way his compensation has been paid in relation to a mis-sold payment protection insurance (“PPI”) policy by Capital One (Europe) plc (“Capital One”).backgroundI issued a provisional decision on this complaint in February 2016.Capital One agreed... (2 pages)View decision -
Decision Reference DRN6785777
26 Jan 2016 Legal & General Partnership Services Limited UpheldBanking and creditThis complaint is about a mortgage arranged for Mr and Mrs T by an adviser connected with Legal & General Partnership Services Limited (L&G).Mr and Mrs T feel they weren’t properly advised about debt consolidation and they’ve been financially disadvantaged as a r... (3 pages)View decision -
Decision Reference DRN1136544
10 Aug 2017 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr S is complaining that Capital One (Europe) plc has used the compensation it offered for the mis-selling of a payment protection insurance (PPI) policy attached to his credit card, to reduce his outstanding debt.backgroundMr S took out a credit card in 1999. At the ... (2 pages)View decision
