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 69710 results
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Decision Reference DRN7593398
14 Oct 2015 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr J has complained about the way The Royal Bank of Scotland Plc (“RBS”) has used the compensation it agreed to pay him after he complained about the mis-sale of payment protection insurance (“PPI”).backgroundMr J took out a credit card with RBS in 1997 and also PPI al... (2 pages)View decision -
Decision Reference DRN6867183
4 Dec 2014 Lloyds Bank PLC Not upheldBanking and creditMr R complains that Lloyds Bank PLC sold his debt to a third party and has not engaged with him properly over the sale.backgroundIn 2009 Mr R lost his job and in due course found himself in financial difficulties. He had built up a sizable overdraft on his current account and notified ... (2 pages)View decision -
Decision Reference DRN6907815
24 Oct 2013 Harrington Brooks (Accountants) Limited UpheldBanking and creditMr R complains that Harrington Brooks (Accountants) Limited failed to pass on a settlement payment to one of his creditors. This meant the debt remained showing as defaulted on Mr R’s credit file for another seven months.backgroundHarrington Brooks was managing two debts for Mr R. In... (2 pages)View decision -
Decision Reference DRN1727577
7 Nov 2017 HSBC Bank plc Not upheldBanking and creditMr M complains that the debt that he owes to HSBC Bank plc is unenforceable because it hasn’t sent him annual account statements.backgroundMr M had credit agreements with HSBC and it says that he owed it £22,878.52 and £2,168.88 in 2003. The accounts were then defaulted ... (2 pages)View decision -
Decision Reference DRN8640496
10 Nov 2014 The Debt Dissolver Ltd UpheldBanking and creditMr B complains about a debt management plan he took out with The Debt Dissolver Ltd. He is unhappy that the payments he has made to The Debt Dissolver have not been passed to his creditors. backgroundMr B entered into a debt management plan with The Debt Dissolver around September 20... (2 pages)View decision -
Decision Reference DRN5782588
23 Aug 2013 Harlands Finance Limited UpheldBanking and creditMr C complains about a debt recovery charge added to a fixed-sum loan agreement he took out with Harlands Finance Limited. Mr C says he was out of work, could not pay, and thinks the charge is excessive and unfair.backgroundI issued a provisional decision on this case in which I concluded... (3 pages)View decision -
Decision Reference DRN-3726062
30 Sep 2022 Nationwide Building Society UpheldMortgagesDRN-3726062 The complaint Mr T moved his mortgage from Nationwide Building Society. But his old mortgage wasn’t fully redeemed. He complains about how this happened, and that Nationwide then referred the outstanding payment straight to a debt collection agency, without contacting him. What... (5 pages)View decision -
Decision Reference DRN-4558791
30 Jan 2024 Paratus AMC Limited Not upheldMortgagesDRN-4558791 The complaint Ms B complains that Paratus AMC Limited trading as Foundation Home Loans (“FHL”) is asking her to repay an interest only mortgage of £160,000, taken out in 2006, plus additional money for mortgage arrears. Ms B challenges the debt, and complains about what FHL has... (3 pages)View decision -
Decision Reference DRN4821020
19 Mar 2015 National Westminster Bank Plc Not upheldBanking and creditMr M complains that National Westminster Bank Plc is chasing him for a debt it had agreed to write off. He asks that it writes off all or most of the debt.background Mr M gave a personal guarantee for the debts of a limited company. The company went into receiversh... (2 pages)View decision -
Decision Reference DRN9964258
27 Jul 2016 RG Debt Management Services Limited Not upheldBanking and creditMr G complains that RG Debt Management Services Limited (trading as Debt Line) mis-sold him a Debt Management Plan (DMP).backgroundWhen Mr G was struggling to repay debts of over £5,000, he agreed to pay £100 per month via a DMP with Debt Line from September 201... (2 pages)View decision
