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
-
Decision Reference DRN-4586355
27 Feb 2024 Debt Managers (Services) Limited Not upheldConsumer CreditDRN-4586355 The complaint Mr K has complained that Debt Managers (Services) Limited recorded a default on his credit file, for an account which he says was taken out fraudulently without his consent. What happened In 2018, a consumer credit account was opened in Mr K’s name at his address.... (3 pages)View decision -
Decision Reference DRN4991114
18 Sep 2018 T.B.I. Financial Services Ltd. UpheldBanking and creditMrs P complains about T.B.I. Financial Services Ltd (“TBI”) adding interest to a judgment debt.backgroundOn 10 August 2007 TBI obtained a county court judgment (“CCJ”) against Mrs P for an outstanding credit card debt. Mrs P didn’t settle the judgment so later on that ... (10 pages)View decision -
Decision Reference DRN8832110
17 Jan 2019 Shoosmiths LLP Not upheldBanking and creditMrs R says Shoosmiths LLP hasn’t provided her with the information she needed about her debts in a reliable, comprehensive or timely manner.backgroundMrs R finds herself in a difficult financial position. Shoosmiths is acting for three clients who are trying to recove... (3 pages)View decision -
Decision Reference DRN9168446
27 Sep 2016 Foundation for Credit Counselling Not upheldBanking and creditMr S complains that Foundation for Credit Counselling, trading as Step Change, mis-sold him a debt management plan. The complaint is brought on his behalf by a claims management company. It says Mr S would be in a better position now if he’d been advised to enter int... (2 pages)View decision -
Decision Reference DRN-5069853
23 Oct 2024 Tandem Home Loans Ltd UpheldMortgagesDRN-5069853 The complaint Mr and Mrs M complain that Tandem Home Loans Ltd continued to contact them regarding their debt despite them being declared bankrupt in 2017. They also said it has recorded incorrect information on their credit files. What happened In 2014, Mr and Mrs M took ou... (4 pages)View decision -
Decision Reference DRN1136544
10 Aug 2017 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr S is complaining that Capital One (Europe) plc has used the compensation it offered for the mis-selling of a payment protection insurance (PPI) policy attached to his credit card, to reduce his outstanding debt.backgroundMr S took out a credit card in 1999. At the ... (2 pages)View decision -
Decision Reference DRN4904649
26 Feb 2016 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs F complain that they were given unsuitable mortgage advice by Legal & General Partnership Services Limited.backgroundMr and Mrs F re-mortgaged in 2008 after receiving advice from Legal & General. It recommended a repayment mortgage with a five year f... (2 pages)View decision -
Decision Reference DRN4299374
30 Jan 2014 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs H complain that National Westminster Bank Plc has not dealt fairly with them concerning the repayment of their business debt, has not responded properly to their questions and will not accept their reasonable repayment proposals. backgroundMr and Mrs H were two of three par... (3 pages)View decision -
Decision Reference DRN-4079157
20 Apr 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4079157 The complaint Mr B complains that Barclays Bank UK PLC (Barclays) is pursuing him for repayment of an overdraft he says should be on hold pending the outcome of an HMRC investigation. What happened The background to this complaint is well known to both parties and was set out i... (2 pages)View decision -
Decision Reference DRN6383985
8 Nov 2016 Debt Information Services Limited Not upheldBanking and creditMiss K has complained Debt Information Services Limited (‘DIS’) mis-sold her a debt management plan.She’s represented by D, a claims management company.backgroundDIS arranged a debt management plan for Miss K. She said an individual voluntary arrangement (IVA) would’ve be... (2 pages)View decision
