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 DRN2430648
6 Sep 2016 DFH Limited Not upheldBanking and creditMr C, represented by a claims management company (CMC), complains that the debt management plan (DMP) he entered into with DFH Limited (the business) was mis-sold. backgroundThe CMC says that when Mr C approached the business in March 2013 he had debts totalling over £1... (3 pages)View decision -
Decision Reference DRN-3071603
29 Sep 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3071603 The complaint Mr B is unhappy that Vanquis Bank Limited suspended his credit account on the basis of persistent debt. What happened Mr B called Vanquis in August 2020 because he'd received a letter advising him that his credit account would be suspended in October. The Van... (5 pages)View decision -
Decision Reference DRN3379142
17 Oct 2014 MKDP LLP Not upheldBanking and creditMiss A complains about a debt that MKDP LLP purchased and is seeking to recover. She believes the debt is statute barred, so MKDP should no longer be seeking payment from her; the date the account was defaulted is incorrect; and, she is unhappy about the way it dealt with her complain... (2 pages)View decision -
Decision Reference DRN5963805
29 Sep 2016 Mercedes-Benz Financial Services UK Limited Not upheldBanking and creditMr R complains that Mercedes-Benz Financial Services UK Limited (“MBFS”) delayed updating his credit file when his debt was repaid.background Mr R had bought a car under a credit agreement with MBFS. He sold the car to a third party, on the basis that the buyer would ... (2 pages)View decision -
Decision Reference DRN2235105
6 Feb 2017 HSBC Bank plc Not upheldBanking and creditMrs C complains that she still has an outstanding debt with HSBC Bank plc. She believes she has overpaid the debt. She wants the debt written off.backgroundMrs C says she made regular payments to pay off the outstanding debt on her credit card. She made these paymen... (2 pages)View decision -
Decision Reference DRN8352923
26 Feb 2015 Idem Capital Securities Limited Not upheldBanking and creditMr E complains that Idem Capital Securities Limited (trading as Idem Servicing) is chasing him to pay an unenforceable debt it doesn’t own – and harassing him by using multiple debt collectors. backgroundIn 2007 Mr E entered into a hire purchase (“HP”) agreement with a third party – ... (2 pages)View decision -
Decision Reference DRN1862425
30 Dec 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs P complain that an authorized representative of Legal & General Partnership Services Limited (“L&G”) mis-sold them a mortgage.backgroundIn 2009, Mr and Mrs P were advised by L&G’s representative to take out a mortgage. The main purpose of the... (2 pages)View decision -
Decision Reference DRN7972470
2 Dec 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMs W complains that Legal & General Partnership Services Limited (“LGPS”) mis-sold her amortgage.backgroundMs W met with the LGPS representative in April 2005 to discuss her mortgagearrangements. Ms W wanted to re-mortgage to raise some further funds and to conso... (5 pages)View decision -
Decision Reference DRN-2519684
12 Apr 2021 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2519684 The complaint Mr S complains that Cabot Credit Management Group Limited trading as Cabot Financial (Europe) Limited (Cabot) had harassed him in pursuit of payment of a debt, that he believes it has proved its the legal owner of. What happened In November 2006 Mr S took out a lo... (4 pages)View decision -
Decision Reference DRN-2921139
19 Apr 2022 National Westminster Bank Plc Not upheldInsuranceDRN-2921139 The complaint Mr B has complained about how National Westminster Bank Plc (‘NWB’) used the redress from the mis-sale of a payment protection insurance (‘PPI’) policy he took with his credit card (account number ending 5181). What happened Mr B had three separate accounts with N... (3 pages)View decision
