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
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Decision Reference DRN8017035
23 Apr 2019 National Westminster Bank Plc Not upheldBanking and creditMr P complains that National Westminster Bank Plc (‘NatWest’) passed a debt to a third party without his knowledge.backgroundMr P had an account with NatWest. He didn’t realise it’d gone overdrawn. And he’s unhappy NatWest sold the debt to another company without discus... (2 pages)View decision -
Decision Reference DRN4309469
25 Aug 2015 Haydon Associates Debt Management Consultants Ltd UpheldBanking and creditMs W complains that Haydon Associates Debt Management Consultants Ltd t/a Resolve (“Resolve”) gave her poor advice, causing her debts to increase rather than decrease.backgroundIn 2013 Ms W entered into a debt management plan (“the plan”) with Resolve. She did this follo... (2 pages)View decision -
Decision Reference DRN0136048
16 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMr and Mrs R complain about a debt reduction agreement that they took out with NEO Media Solutions Limited, trading as One Debt Solution. They complain that it did not pay money to their creditors as it had agreed to do.backgroundMr and Mrs R entered into a debt reduction agreement wi... (2 pages)View decision -
Decision Reference DRN6606005
7 Apr 2015 Lloyds Bank PLC Not upheldBanking and creditMr N complains that his debt with Lloyds Bank plc should be written off as the company to which he owes money is Lloyds TSB and it no longer exists.backgroundMr N has both a current account and a credit card with Lloyds TSB. He says he was not told when the bank ... (1 page)View decision -
Decision Reference DRN1562052
16 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMr and Mrs M complain about a debt reduction agreement that they took out with NEO Media Solutions Limited, trading as One Debt Solution. They complain that it did not pay money to their creditors as it had agreed to do.backgroundMr and Mrs M entered into a debt reduction agreement with... (2 pages)View decision -
Decision Reference DRN0222296
9 Jan 2017 Cabot Financial (Europe) Limited Not upheldBanking and creditMr P complains about Cabot Financial (Europe) Limited’s response to his subject access request (or “SAR”). He also complains that it refused to suspend its debt collections process while he challenged a debt it was pursuing him for.backgroundIn 2007 Mr P took out a l... (3 pages)View decision -
Decision Reference DRN9363089
30 Jan 2015 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr J’s complaint is about how The Royal Bank of Scotland Plc (RBS) used the compensation it offered to settle his complaint about a payment protection insurance (PPI) policy taken out with a credit card. Mr J wants RBS to pay all the compensation directly to him.backgroundMr J complaine... (4 pages)View decision -
Decision Reference DRN7867281
9 Oct 2018 Capquest Debt Recovery Limited UpheldBanking and creditMr H complains that Capquest Debt Recovery Limited won’t pay interest on a refund. backgroundIn 2012 Capquest acquired a debt that Mr H owed a third party lender. Mr H was in financial difficulties, this account had been in arrears for some time and Mr H was making... (2 pages)View decision -
Decision Reference DRN9892382
16 Mar 2016 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr and Mrs M are unhappy with the way The Royal Bank of Scotland Plc (“RBS”) has used the compensation it agreed to pay them after they complained they’d been mis-sold payment protection insurance (“PPI”).backgroundI issued my provisional decision on this complaint in Fe... (4 pages)View decision -
Decision Reference DRN4245773
20 Mar 2014 Nationwide Building Society UpheldBanking and creditMr K complains that the Nationwide Building Society applied interest and charges to an outstanding credit card debt incorrectly and that it took unjustified legal action to collect that debt.backgroundThis is a brief summary of an issue going back ten years. Mr K lost his job in 2004 an... (3 pages)View decision
