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 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 DRN-4786373
9 Aug 2024 Totemic Limited Not upheldConsumer CreditDRN-4786373 The complaint Mr R is unhappy that Totemic Limited trading as PayPlan will not write off his outstanding debts due to ill health. What happened Mr R is unhappy with the way that PayPlan has administered his account. Mr R says that the medical reports he supplied to PayPlan a... (3 pages)View decision -
Decision Reference DRN0002227
28 Sep 2018 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Ms T complains that The Royal Bank of Scotland Plc (RBS) used compensation from a mis-sold payment protection insurance (PPI) policy to reduce a debt it says Ms T owes. Ms T wants the compensation paid directly to her.backgroundBetween 2004 and 2008 Ms T took out a seri... (2 pages)View decision -
Decision Reference DRN6785777
26 Jan 2016 Legal & General Partnership Services Limited UpheldBanking and creditThis complaint is about a mortgage arranged for Mr and Mrs T by an adviser connected with Legal & General Partnership Services Limited (L&G).Mr and Mrs T feel they weren’t properly advised about debt consolidation and they’ve been financially disadvantaged as a r... (3 pages)View decision -
Decision Reference DRN1003140
14 Nov 2013 Northern Debt Recovery Limited UpheldBanking and creditMr O complains about the way that Northern Debt Recovery Limited has dealt with him while it was seeking repayment of a loan. He is unhappy as he sent a £350 payment in full and final settlement of the debt but Northern Debt Recovery is still seeking further payments from him. Mr O has... (3 pages)View decision -
Decision Reference DRN1285042
14 Jan 2016 Bank of Scotland Plc UpheldBanking and creditMr M complains about Bank of Scotland Plc. There are a number of aspects to his complaint but in essence, Mr M complains that: Bank of Scotland acted irresponsibly when it granted him a personal loan in 2008; Bank of Scotland did not help him when he told the bank ... (3 pages)View decision -
Decision Reference DRN0295632
5 Apr 2017 Arrow Global Limited Not upheldBanking and creditMr B has complained Arrow Global Limited can’t ask him to pay two debts they now own as the defaults were not properly sent to him.backgroundIn 2014 Mr B’s bank sold his credit card and personal loan debts to Arrow Global. Mr B was being asked to repay more than £9... (2 pages)View decision -
Decision Reference DRN0388472
24 Jan 2019 Bank of Scotland Plc Not upheldBanking and creditMr R complains that Bank of Scotland plc trading as Halifax incorrectly applied a default on his credit file. He would like this default removed and compensation for the time and effort taken in raising this complaint.backgroundMr R fell into financial difficulties ... (3 pages)View decision -
Decision Reference DRN2923843
15 Mar 2016 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr D is complaining about the way his compensation has been paid in relation to a mis-sold payment protection insurance (“PPI”) policy by Capital One (Europe) plc (“Capital One”).backgroundI issued a provisional decision on this complaint in February 2016.Capital One agreed... (2 pages)View decision -
Decision Reference DRN0770401
30 Sep 2014 Barclays Bank Plc Not upheldBanking and creditMr L complains that Barclays Bank PLC, trading as Barclaycard, and its predecessor, should have registered defaults in relation to his credit card accounts in 2009 and treated him unfairly in not doing so.backgroundIn 2009, Mr L entered into a debt management programme and paid redu... (3 pages)View decision