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 DRN6396366
2 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMr and Mrs C complain about a debt reduction agreement that they took out with NEO Media Solutions Limited, trading as One Debt Solutions. They complain that it did not pay money to their creditors as it had agreed to do. backgroundMr C entered into a debt reduction agreement with One... (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 DRN7380800
17 Feb 2017 Barclays Bank Plc Not upheldBanking and creditMr F, on behalf of the estate of the late Mrs F, complains that Barclays Bank Plc has not acted reasonably, in that it used funds it held on behalf of the estate to clear debts owed to it, meaning there was not money left to cover funeral costs. He also complain... (2 pages)View decision -
Decision Reference DRN9177325
14 Feb 2014 Lloyds Bank PLC Not upheldBanking and creditMr L complains that Lloyds Bank PLC pursued him for debts he did not owe and registered adverse information on his credit file about these debts. Mr L also complains that Lloyds did not cancel his direct debit as it should have done. He considers that as a result he incurred charges a... (2 pages)View decision -
Decision Reference DRN4022638
11 Apr 2013 Lloyds TSB Bank Plc UpheldBanking and creditMr B and Mrs C’s complaint is in respect of a current account with Lloyds TSB Bank Plc (“Lloyds TSB”). The account was initially a sole account in Mr B’s name only before it was asked that Mrs C be added in July 2004. The bank declined this request due to Mrs C’s credit score. But she ... (3 pages)View decision -
Decision Reference DRN-2928464
21 Oct 2021 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2928464 The complaint Mr L complains that National Westminster Bank Plc (NatWest) are pursuing him for a debt. What happened On 3 March 2021, the balance of Mr L’s joint account with his wife was £2,328.01 debit - with an overdraft limit of £2,500. On 4 March 2021, £5,000 was paid into... (2 pages)View decision -
Decision Reference DRN6162207
19 Apr 2013 Bank of Scotland Plc Not upheldBanking and creditMrs N complains that Bank of Scotland sold her account to a debt collection agency. She wishes the debt to be passed back to the bank.backgroundMrs N’s account was defaulted and closed in January 2010. Mrs N raised a complaint with this service about transactions and charges previously... (2 pages)View decision -
Decision Reference DRN3719121
16 Jul 2015 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs S complain they received unsuitable mortgage advice from National Westminster Bank Plc. Mr S has dealt with the complaint throughout, with assistance from his son.backgroundIn January 2007 Mr and Mrs S took out a mortgage through NatWest. Although NatWest says... (4 pages)View decision -
Decision Reference DRN5279508
15 Dec 2017 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Ms F isn’t happy with how Capital One (Europe) plc (‘Capital One’) offered to resolve her complaint about a payment protection insurance (‘PPI’) policy attached to a credit card. backgroundMs F had a credit card with Capital One. Attached to the credit card was a ... (3 pages)View decision -
Decision Reference DRN-4023367
21 Mar 2023 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-4023367 The complaint Mr B complains that Link Financial Outsourcing Limited are contacting him to repay a debt when he had an arrangement in place with the original lender. What happened Mr B had a credit card account with a third-party lender. Unfortunately, Mr B was in an accident w... (2 pages)View decision