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 70502 results
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Decision Reference DRN6729845
10 Nov 2016 Lowell Financial Ltd UpheldBanking and creditMiss H complains that Lowell Financial Ltd (trading as Lowell Group) wrongly took payment from her in respect of a debt that did not belong to her.backgroundMiss H says that she has discovered that debt repayments which she made to Lowell were in respect of a debt w... (2 pages)View decision -
Decision Reference DRN8396981
23 Jun 2015 Lloyd Anderson Financial Management Limited UpheldBanking and creditMr and Mrs M have complained about how Lloyd Anderson Financial Management Limited managed their debt management plan. They’re particularly concerned that the payments they made were not being passed on to their creditors, and their debt grew rather than decreased.ba... (2 pages)View decision -
Decision Reference DRN6664548
1 Dec 2020 Volkswagen Financial Services (UK) Limited UpheldBanking and creditMs J complains that she received a letter from solicitors acting on behalf of Volkswagen Financial Services (UK) Limited trading as SEAT Finance chasing repayment of a debt she’d already repaid. She wants an explanation and compensation for the upset caused. background Ms J told us that se... (4 pages)View decision -
Decision Reference DRN1468284
8 Sep 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr and Mrs A and their representative are unhappy about the advice they were given by Harrington Brooks (Accountants) Limited (trading as Harrington Brooks Debt Management) to enter into a debt management plan. They say it was mis-sold to them and wasn’t the appropr... (2 pages)View decision -
Decision Reference DRN6723227
23 Jun 2014 National Westminster Bank Plc UpheldPayment protection insurance (PPI)Mr J brought his complaint to this service as he was unhappy that National Westminster Bank Plc (“NatWest”) used part of the redress from two mis-sold PPI policies to offset an outstanding debt related to a current account he had with the bank. Mr J wants all the redress paid directly to ... (4 pages)View decision -
Decision Reference DRN7593398
14 Oct 2015 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr J has complained about the way The Royal Bank of Scotland Plc (“RBS”) has used the compensation it agreed to pay him after he complained about the mis-sale of payment protection insurance (“PPI”).backgroundMr J took out a credit card with RBS in 1997 and also PPI al... (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 DRN1082709
25 Jan 2016 Bank of Scotland Plc Not upheldBanking and creditMr A feels that Bank of Scotland Plc (“BOS”) has treated him unfairly in relation to how it has treated him with regard to the debts he has with it.backgroundMr A said that BOS didn’t respond to his proposal for a solution regarding his various debts in a reason... (2 pages)View decision -
Decision Reference DRN5782588
23 Aug 2013 Harlands Finance Limited UpheldBanking and creditMr C complains about a debt recovery charge added to a fixed-sum loan agreement he took out with Harlands Finance Limited. Mr C says he was out of work, could not pay, and thinks the charge is excessive and unfair.backgroundI issued a provisional decision on this case in which I concluded... (3 pages)View decision -
Decision Reference DRN9489323
23 Nov 2016 DEBT CORRECT Not upheldBanking and creditMr M complains that Debt Correct Limited, trading as Debt Correct, (“DC”), didn’t provide him with appropriate information when he entered into a debt management plan (“DMP”) with it. The complaint is brought to this service on Mr M’s behalf by a claims management comp... (3 pages)View decision
