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 70661 results
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Decision Reference DRN-4318416
27 Sep 2023 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-4318416 The complaint Mr G complains about legal action Cabot Credit Management Group Limited intends to take in relation to a credit card debt. What happened Mr G had a credit card with a business I’ll call N that was closed at default in June 2022. Cabot purchased the debt from N in ... (3 pages)View decision -
Decision Reference DRN-1715940
6 Apr 2020 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-1715940The complaintMr O is unhappy with the way that Tesco Personal Finance Plc ("Tesco") has handled his credit card account, particularly as it has sold the debt on to a third party. What happenedWe looked at an earlier complaint between Mr O and Tesco in relation to this ... (4 pages)View decision -
Decision Reference DRN4750010
19 Dec 2014 Think Loans and Mortgages Limited Not upheldBanking and creditMiss Q’s complaint relates to the advice she received from Think Loans and Mortgages Limited (hereafter referred to as TLM) in 2007. This advice related to the purchase of a property under the right-to-buy (RTB) scheme. Miss Q’s representative has said that this was inappropriate due ... (3 pages)View decision -
Decision Reference DRN8483077
11 May 2020 Santander UK Plc UpheldBanking and creditMr Z has complained Santander UK plc is holding him liable for the expenditure on credit cards he didn’t apply for in 2016 and 2017.backgroundAfter applying for a loan with his bank, Mr Z was told his credit record showed a number of loans and credit cards. He’d never applied for these. Th... (3 pages)View decision -
Decision Reference DRN3597555
9 Nov 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMr A and Ms D complain that the re-mortgage Legal & General Partnership Services Limited (“L&G”) gave them in 2006 was unsuitable for them.Mr A and Ms D are represented by a firm of solicitors.background In December 2006 Mr A and Ms D met AWD Home Finance Lim... (4 pages)View decision -
Decision Reference DRN6711030
27 Jul 2018 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)Mr A is unhappy with how National Westminster Bank Plc (“NatWest”) resolved his complaint about the mis-sale of a payment protection insurance (“PPI”) policy.backgroundI issued my provisional decision on 28 June 2018. A copy of my provisional decision is attached and fo... (5 pages)View decision -
Decision Reference DRN4558007
19 Oct 2018 Bank of Scotland Plc Not upheldBanking and creditMr B complains about Bank of Scotland plc, trading as Halifax (“Halifax”) regarding entries which appear on his credit report. He wants Halifax to remove an entry dated July 2017 from his credit report. backgroundUntil 2013 Mr B held a current account and credit card ... (2 pages)View decision -
Decision Reference DRN8770684
1 Jun 2015 Sureterm Direct Limited Not upheldInsurance (excluding PPI)Miss B complains that Sureterm Direct Limited unfairly asked her for payment for an old motor insurance policy.backgroundSureterm apologised that it made a mistake by renewing Miss B’s policy but not taking payments by direct debit. Miss B complained after Sureterm and it... (2 pages)View decision -
Decision Reference DRN0767663
27 Mar 2014 Barclays Bank Plc Not upheldBanking and creditMr B complains that Barclays Bank PLC sold the debts on his two credit cards to a debt collection agency. He also disagrees with the balance figure that Barclays transferred. Mr B also has a complaint about the interest charged by the debt collection agency, and the type of document ... (1 page)View decision -
Decision Reference DRN3254356
11 Apr 2013 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs A complain that Halifax gave them an unsuitable solution to their debt problems in arranging to consolidate unsecured loans to their mortgage. Mr and Mrs A said they were unable to sustain their level of debt and the further advance put them under more pressure. They said Hali... (2 pages)View decision
