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 DRN3382101
9 Dec 2019 Clydesdale Bank Plc Not upheldBanking and creditMrs T complains that Clydesdale Bank Plc suggested she use her personal savings to pay off her ex- husband’s debts.backgroundMrs T’s ex- husband had a number of gambling related debts. Mrs T says she agreed under duress and pressure to speak to Clydesdale about options to repay the debt. B... (2 pages)View decision -
Decision Reference DRN-3981858
22 Feb 2023 Klarna Bank AB (publ) UpheldBanking and PaymentsDRN-3981858 The complaint Mr D complains that Klarna Bank AB (publ) (“Klarna Bank”) changed the repayment options on his Klarna Bank card in 2022, so that he could not use a credit card to make repayments. What happened Mr D applied and was accepted for a Klarna Bank card to use for his p... (3 pages)View decision -
Decision Reference DRN1983645
17 Mar 2018 NRAM plc Not upheldPayment protection insurance (PPI)Mr and Mrs D are not happy with how NRAM plc (‘NRAM’) has offered to settle their complaint about three PPI policies attached to two mortgage accounts and a loan. Mr and Mrs D have been represented throughout their complaint. backgroundMr and Mrs D had two mortgage acc... (3 pages)View decision -
Decision Reference DRN5156533
3 Dec 2015 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr K’s complaint is about the payment of compensation by The Royal Bank of Scotland Plc (“RBS”) for the sale of payment protection insurance (“PPI”).backgroundIn this decision, I’m going to look at Mr K’s complaints about the compensation he’s been paid for two PPI po... (3 pages)View decision -
Decision Reference DRN9007866
23 Aug 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr and Mrs G complain that Lloyds TSB Bank Plc (Lloyds TSB) mis-sold a mortgage to them. They say it was unaffordable and did not raise sufficient money to consolidate all their debts, which had been their intention at the time. Mr and Mrs G also complain that they were advised to c... (2 pages)View decision -
Decision Reference DRN5583507
18 Dec 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMr C complains that Cabot Credit Management Group Limited (“Cabot”) sent him letters about three statute barred accounts in an attempt to deceive him into acknowledging them. He also says a fourth account should be considered statute barred.backgroundIn August 2018 Cabot transferred the ma... (2 pages)View decision -
Decision Reference DRN7914341
5 Feb 2018 Cabot Credit Management Group Limited Not upheldBanking and creditMr and Mrs J complain that Cabot Credit Management Group Limited won’t write off Mr J’s debts.backgroundMr J had two credit card accounts with third parties. In 2011 and 2013 Cabot bought these debts. The current outstanding balances come to a total of nearly £25,000... (2 pages)View decision -
Decision Reference DRN-4820518
24 Jun 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4820518 The complaint Mr S complains that Santander UK Plc sold his debt to a debt collection agency despite his offer to partially settle the account balance with a one-off payment. What happened Mr S held a personal current account and credit card with Santander which together had ac... (3 pages)View decision -
Decision Reference DRN-2960934
10 Oct 2021 Link Financial Outsourcing Limited Not upheldBanking and PaymentsDRN-2960934 The complaint Mr and Mrs N are unhappy about the way that Link Financial Outsourcing Limited (“Link”) has handled the collection of various outstanding debts in their name. What happened Between 2005 and 2016, three separate businesses sold two debts they held in the name of Mr... (2 pages)View decision -
Decision Reference DRN8043507
11 Dec 2018 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr M’s complaint is about a payment protection insurance (PPI) policy he was sold by Capital One (Europe) Plc with a credit card. backgroundIn 2007, Mr M took out a credit card with Capital One. At the same time, he was sold a PPI policy to protect the repayments ... (3 pages)View decision
