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 71923 results
-
Decision Reference DRN9036841
26 Jul 2017 Sainsbury's Bank Plc UpheldBanking and creditMr J complains that Sainbury’s Bank Plc has not treated him fairly, in that it sold the balance of a debt which he understood to have been written off to a third party collections agency. Mr J does not believe he should have to pay the debt, and would like Sainsbur... (3 pages)View decision -
Decision Reference DRN-2786262
22 Jun 2021 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-2786262 The complaint Mr L complains that Capital One (Europe) plc irresponsibly lent to him by letting him take out two credit cards. What happened In 2014, Mr L took out his first credit card with Capital One. This card had a limit of £200. In 2016, Mr L took out a second credit card... (3 pages)View decision -
Decision Reference DRN9168446
27 Sep 2016 Foundation for Credit Counselling Not upheldBanking and creditMr S complains that Foundation for Credit Counselling, trading as Step Change, mis-sold him a debt management plan. The complaint is brought on his behalf by a claims management company. It says Mr S would be in a better position now if he’d been advised to enter int... (2 pages)View decision -
Decision Reference DRN-1724611
1 May 2020 Bank of Scotland Plc Not upheldMortgagesDRN-1724611 The complaintMr M is unhappy that Bank of Scotland plc (BoS) has approached him to repay the shortfall that existed following his home being repossessed in 2009 and sold in 2010. He has said he was unaware of the debt until 2019 and thinks it’s unfair he is being pursued for th... (3 pages)View decision -
Decision Reference DRN4472726
20 Sep 2013 HSBC Bank plc Not upheldBanking and creditMrs F complains that HSBC Bank plc continued to accept payments through a debt management plan for many years after it had written off the debt. Mrs F wants this money – about £8,000 – returned to her. Mrs F is represented by her husband. backgroundMrs F took out a loan with the ban... (2 pages)View decision -
Decision Reference DRN8236911
3 Feb 2016 Capital One (Europe) plc UpheldPayment protection insurance (PPI)Mr B complained he was mis-sold payment protection insurance (PPI) on a credit card with Capital One (Europe) plc (Capital One) in 2001.backgroundCapital One agreed that Mr B had been mis-sold PPI and it made him an offer in September 2015.Mr B had been under an indiv... (3 pages)View decision -
Decision Reference DRN-2488662
10 Feb 2021 National Westminster Bank Plc UpheldBanking and PaymentsDRN-2488662 The complaint Mr B is unhappy with how National Westminster Bank Plc (“NatWest”) are dealing with his debts. What happened Mr B has an overdraft and loan with NatWest, both of which are in arrears. This service has previously dealt with a complaint about the affordability of ea... (3 pages)View decision -
Decision Reference DRN7872182
25 Sep 2019 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs H complain that The Royal Bank of Scotland Plc (“RBS”) acted unfairly and unreasonably by declining their mortgage application and then charging an early repayment charge (“ERC”) when they moved to another lender. They want the ERC refunded and confirmation that a particular deb... (2 pages)View decision -
Decision Reference DRN0654106
8 Mar 2019 The Royal Bank of Scotland Plc Not upheldBanking and creditMr M complains that The Royal Bank of Scotland Plc disclosed his details to third parties without his knowledge and permission. He is also unhappy his debt was sold when he already had an arrangement to pay elsewhere.backgroundMr M had a credit card with RBS, which ... (3 pages)View decision -
Decision Reference DRN-5069853
23 Oct 2024 Tandem Home Loans Ltd UpheldMortgagesDRN-5069853 The complaint Mr and Mrs M complain that Tandem Home Loans Ltd continued to contact them regarding their debt despite them being declared bankrupt in 2017. They also said it has recorded incorrect information on their credit files. What happened In 2014, Mr and Mrs M took ou... (4 pages)View decision
