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-4687097
15 Mar 2024 Sabre Insurance Company Limited UpheldInsuranceDRN-4687097 The complaint Mr D has complained about his motor insurer Sabre Insurance Limited, regarding an increased policy premium and his policy being cancelled, with further charges applied. What happened Mr D thought he may have had an incident. So he updated Sabre but didn’t make a c... (3 pages)View decision -
Decision Reference DRN-5652067
27 Jun 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5652067 The complaint Miss B complains Cabot Credit Management Group Limited trading as Cabot Financial (Europe) Limited have: Asked her to repay a debt she doesn’t think they should Been reporting a default incorrectly Delayed dealing with her court claim which lost her the c... (2 pages)View decision -
Decision Reference DRN-5233272
30 Dec 2024 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-5233272 The complaint Mr R complains that National Westminster Bank Plc (NatWest) defaulted his current account. What happened I issued my provisional decision about this complaint on 6 December 2024. I set out the background as follows: “Mr R held a current account with NatWest tha... (5 pages)View decision -
Decision Reference DRN4256717
28 Mar 2019 The Royal Bank of Scotland Plc UpheldBanking and creditMs J complains that in 2009 The Royal Bank of Scotland Plc (“RBS”) had given her a loan that they should have known that she couldn’t afford and that she received a poor level of service when she tried to raise her concerns with them in September 2017.background Ms... (3 pages)View decision -
Decision Reference DRN1123328
31 Mar 2014 Bank of Scotland Plc Not upheldBanking and creditMr C and Ms D complain that Bank of Scotland plc opened a partnership account for them in 2003 when they wanted an account for a limited company.backgroundMr C and Ms D signed a partnership account opening form in 2003. They then set up a limited company but their bank account was not ... (1 page)View decision -
Decision Reference DRN8977340
25 Feb 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMr D complains about the way that Lowell Portfolio I Ltd handled his dispute about a debt. backgroundThe debt was sold to Lowell in November 2010. In summary, Mr D is unhappy with the way Lovell handled his dispute of the debt.Our adjudicator did not recommend this complaint be upheld... (1 page)View decision -
Decision Reference DRN4727087
5 Sep 2017 Welcome Financial Services Limited Not upheldBanking and creditMr A complains that he is being pursued by Welcome Financial Services for a debt which is not his.backgroundMr A says that a loan taken out with WFS in 2006 was taken out fraudulently. He had not applied for it and says that he is being pursued unfairly.When he ... (1 page)View decision -
Decision Reference DRN0502653
19 Oct 2015 The Green Insurance Company Limited Not upheldInsurance (excluding PPI)Mr F has complained that The Green Insurance Company Limited (“TGIC”) did not notify him that he owed it money after it cancelled his motor insurance policy. backgroundMr F had an insurance policy with TGIC. It was cancelled after Mr F missed payment dates on more tha... (2 pages)View decision -
Decision Reference DRN6830326
30 Apr 2013 1st Financial Services (London) Limited Not upheldBanking and creditMr and Mrs F complain that 1st Financial Services (London) Limited failed to give them appropriate advice about the implications of consolidating previously unsecured debt into their mortgage.backgroundMr and Mrs F approached 1st Financial Services for advice when they wanted to remortgag... (2 pages)View decision -
Decision Reference DRN-1730864
25 Nov 2020 National Westminster Bank Plc Not upheldConsumer CreditDRN-1730864 The complaint Mr B has complained that National Westminster Bank Plc (“NatWest”) sold his debt without telling him and incorrectly reported additional defaults on his accounts to the credit reference agencies. Background Mr B told our service he called NatWest in January 2017 t... (3 pages)View decision
