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 DRN0487623
17 Mar 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs B complain that The Royal Bank of Scotland Plc (“RBS”) cannot provide them with a copy of the loan they entered with it in 2005. They say the debt is therefore not enforceable and would like it written off.backgroundMr and Mrs B say they held a loan wi... (2 pages)View decision -
Decision Reference DRN6357714
26 Oct 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs R complain that an appointed representative of Legal & General PartnershipServices Limited (“LGPS”) provided unsuitable advice to them regarding their re-mortgage in2006. Mr and Mrs R are represented by a claims management company (“CMC”).backgroundMr and ... (4 pages)View decision -
Decision Reference DRN-3678794
9 Sep 2022 Creation Financial Services Limited UpheldConsumer CreditDRN-3678794 The complaint Mr M complains about the information about his credit card account that Creation Financial Services Limited has recorded on his credit file. What happened I issued a provisional decision on this complaint in August 2022 in which I described what had happened as fo... (3 pages)View decision -
Decision Reference DRN9479487
16 Dec 2014 Apex Collections Limited Not upheldBanking and creditMr F complains about debt management activities carried out by Apex Collections Limited trading as Apex Credit Management (“Apex”).backgroundApex carries out debt collection activities on behalf of lenders with regulated credit agreements. Mr F had a debt owed to a creditor which had be... (2 pages)View decision -
Decision Reference DRN9014049
22 Apr 2013 Money Debt And Credit Limited UpheldBanking and creditMr R complains about a debt management plan he entered into with Money Debt And Credit Limited. He feels he was misled into taking out the plan as he was told he would be debt free in three years and his credit rating would not be affected. He has however now been told this was inc... (2 pages)View decision -
Decision Reference DRN2303505
21 Jun 2017 Positive Solutions (Financial Services) Limited Not upheldBanking and creditMs L and Mr P complain that they were given unsuitable mortgage advice by Positive Solutions (Financial Services) Limited (Positive). The complaint has been brought on their behalf by a claims management company (CMC).backgroundMs L and Mr P bought their property in Fe... (3 pages)View decision -
Decision Reference DRN7129165
13 Feb 2017 Bank of Ireland (UK) Plc Not upheldBanking and creditMrs W complains that Bank of Ireland (UK) plc passed her credit card account to a debt collections agency without telling her. She was repaying a set amount each month and believes the debt should now be paid off. She thinks Bank of Ireland added interest to what she... (3 pages)View decision -
Decision Reference DRN-6077572
19 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6077572 The complaint Mr T complains that Barclays Bank UK PLC trading as “Tesco Bank” has continued enforcement action on his credit card account, despite him pausing payments whilst raising concerns. What happened Besides setting out Mr T’s complaint, I won’t repeat all the facts... (3 pages)View decision -
Decision Reference DRN-3859724
7 Mar 2023 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-3859724 The complaint Miss N complains Lantern Debt Recovery Services Ltd are asking her to repay a debt which she’s said she was told would be repaid. What happened Miss N took out a loan with a company I’ll refer to as S. Miss N says when S went out of business, she was contacted on ... (3 pages)View decision -
Decision Reference DRN5873234
16 Jun 2016 Barclays Bank Plc Not upheldBanking and creditMr R complains that Barclays Bank Plc has not treated him fairly in that it has registered a default on his credit file for a credit card account which he did not realise had been transferred to Barclays. He says Barclays did not tell him of its acquisition of ... (2 pages)View decision