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 77331 results
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Decision Reference DRN-3652910
7 Dec 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3652910 The complaint Mr R’s complaint is about National Westminster Bank Plc. The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll focus on giving my reasons for my decision. What I’ve decided – and why I’ve considered all the a... (2 pages)View decision -
Decision Reference DRN-3295414
1 Apr 2022 Hoist Finance UK Limited Not upheldConsumer CreditDRN-3295414 The complaint Mr A complains that Hoist Finance UK Limited is asking him to repay a debt that is statute- barred. Mr A wants Hoist to write the debt off based on the impact this is having on his mental health. What happened Mr A owed money to a business I will refer to as “S”. ... (2 pages)View decision -
Decision Reference DRN5009422
5 Sep 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs J complain that they were given unsuitable mortgage advice by The Royal Bank of Scotland Plc (RBS). our initial conclusionsOur adjudicator didn’t recommend the complaint should be upheld. She was satisfied that these were non-advised sales but that, even if advice had bee... (2 pages)View decision -
Decision Reference DRN4672381
8 Aug 2016 Wescot Credit Services Limited UpheldBanking and creditMr and Mrs B complain that Wescot Credit Services Limited pursued an old debt they no longer owed.background I trust that Mr and Mrs B will understand that the following is a brief summary of the background to their complaint and does not go into detail, but they can... (2 pages)View decision -
Decision Reference DRN-2794973
7 Jun 2021 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-2794973 The complaint Mr O complains that he isn’t responsible for his debt with Clydesdale Bank Plc trading as Virgin Money (Virgin). What happened Mr O opened a credit card account with Virgin in September 2016 with a limit of £6000. He transferred a debt to it on an interest free of... (3 pages)View decision -
Decision Reference DRN0141437
10 Dec 2020 HFC Bank Limited UpheldPayment protection insurance (PPI)Miss H’s complaint is about payment protection insurance (PPI) policies she was sold by HFC Bank Limited (HFC), associated with some loans and also an issue she has about repaying one of the loans. background Miss H took out three loans with HFC in the late 1980s early 1990s. With each loa... (6 pages)View decision -
Decision Reference DRN-3036384
8 Sep 2021 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3036384 The complaint Mr E said he owed some money on a credit card, but when he went to a branch of HSBC UK Bank Plc to pay it off, he was told it had been written off. Mr E says he doesn’t have the money now, but he’s being chased to pay this debt. He doesn’t think he should have to ... (6 pages)View decision -
Decision Reference DRN-3504542
22 Jun 2022 Santander UK Plc UpheldMortgagesDRN-3504542 The complaint Miss K complains that Santander UK Plc continued to report her mortgage account to the credit reference agencies after she was no longer liable for the debt following her bankruptcy. What happened Miss K took out a joint mortgage with Santander in 2006. She was de... (4 pages)View decision -
Decision Reference DRN8778606
5 Sep 2018 Movitex (UK) Limited Not upheldBanking and creditMrs B complains Movitex (UK) Limited (Daxon) is chasing her for a debt which isn’t enforceable. She wants it to close the account and cease the debt collection activity.backgroundMrs B tells us she asked Daxon to provide her with a copy of a valid credit agreement... (2 pages)View decision -
Decision Reference DRN8333485
10 Sep 2018 Clydesdale Bank Plc Not upheldBanking and creditMr H complains on behalf of C, a limited company, that Clydesdale Bank Plc sold its debt onto a business (P) that isn’t regulated by the Financial Conduct Authority (“FCA”). He alsocomplains that the debt (the outstanding balance from C’s tailored business loan (TBL... (7 pages)View decision