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 69710 results
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Decision Reference DRN-4554790
17 May 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4554790 The complaint Mrs P complains that interest and charges refunded by TSB Bank plc should’ve been refunded to her personally rather than to her account. What happened Mrs P had an overdraft with TSB Bank Plc which was included within a Debt Relief Order (DRO) granted in September... (2 pages)View decision -
Decision Reference DRN5813397
21 Nov 2016 Link Financial Outsourcing Limited UpheldBanking and creditMr O complains that Link Financial Outsourcing Limited (Link) applied for a charging order in a court that wasn’t local to him.background Mr O had a credit card debt, which he wasn’t able to repay. The debt was sold to Link Financial Outsourcing, which then assigned ... (2 pages)View decision -
Decision Reference DRN-4655812
6 Mar 2024 Arrow Global Limited Not upheldBanking and PaymentsDRN-4655812 The complaint Mr S complains Arrow Global Limited harassed him for two years on a debt that was statute barred and have wrongly been reporting it to the Credit Reference Agencies (CRA’s). In addition, Mr S says he was incorrectly told Arrow had secured a County Court Judgment (... (5 pages)View decision -
Decision Reference DRN3091786
7 Jun 2013 The Royal Bank of Scotland Plc Not upheldBanking and creditMr T complains that, even after court proceedings declared that The Royal Bank of Scotland Plc could not pursue Mr T for a business loan debt, the bank continued to send both him and his solicitor correspondence about the loan. He says it also registered adverse information about the l... (1 page)View decision -
Decision Reference DRN7611584
26 Jun 2017 Next Retail Limited Not upheldBanking and creditMrs P complains about adverse data on her credit file in relation to a debt with Next Retail Limited (Next). She believes she has settled the debt. She would like the adverse data removed.backgroundMrs P says Next sold her outstanding debt on in 2014. She says she made ... (2 pages)View decision -
Decision Reference DRN8661451
12 Aug 2015 HSBC Bank plc UpheldPayment protection insurance (PPI)Mr W says that HSBC Bank Plc (HSBC) hasn’t treated him fairly about a loan and PPI that was sold him.backgroundMr W says that when he took out the loan he was told that any PPI claim would pay for the term of the loan. He says he was 60 years old at the time an... (2 pages)View decision -
Decision Reference DRN-3777392
2 Nov 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3777392 The complaint Mrs R complains that Bank of Scotland plc has enforced a personal guarantee she signed, and so is pursuing her for a debt. What happened The background to this case is well-known to both parties, so I won’t repeat it in detail here and will just set out a brief su... (2 pages)View decision -
Decision Reference DRN-3726062
30 Sep 2022 Nationwide Building Society UpheldMortgagesDRN-3726062 The complaint Mr T moved his mortgage from Nationwide Building Society. But his old mortgage wasn’t fully redeemed. He complains about how this happened, and that Nationwide then referred the outstanding payment straight to a debt collection agency, without contacting him. What... (5 pages)View decision -
Decision Reference DRN4690729
9 Aug 2019 Santander UK Plc Not upheldBanking and creditMr O complains that Santander UK plc told him, three times, that his debts with it had been “written off”.backgroundMr O had two accounts and a loan with Santander. All three accounts were defaulted in 2013. The loan was passed to a debt collection agency and has since been settled. Mr O h... (3 pages)View decision -
Decision Reference DRN1389583
25 Apr 2018 Cabot Credit Management Group Limited Not upheldBanking and creditMr G complains that Cabot Credit Management Group Limited hasn’t provided information or documentation about a debt it is pursuing. backgroundCabot bought a book of debts from a bank. It says this included one for Mr G. He has disputed this and has asked for further de... (2 pages)View decision
