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 69633 results
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Decision Reference DRN-3135417
2 Nov 2021 PRA Group (UK) Limited Not upheldConsumer CreditDRN-3135417 The complaint Mr J is unhappy with PRA Group (UK) Limited’s handling of a credit card debt. Mr J says PRA have no authority to report the default as the court concluded the debt was unenforceable and PRA have failed to show they legally own the debt. What happened I issued my p... (5 pages)View decision -
Decision Reference DRN-5001359
30 Sep 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-5001359 The complaint Mr E complains that National Westminster Bank Plc passed his debt to a debt collection agency. What happened Mr E holds an account with NatWest. Due to Mr E’s financial circumstances, he hasn’t made payments to the account for some time. On 1 November 2023 Mr E... (3 pages)View decision -
Decision Reference DRN-4461764
13 Dec 2023 Freedom Finance Limited UpheldMortgagesDRN-4461764 The complaint Mr K complains that Freedom Finance Limited mis-sold him a second charge mortgage (secured loan). What happened In September 2019 Mr K contacted Freedom Finance to discuss taking out a secured loan. He wanted to explore consolidating existing unsecured debt to red... (7 pages)View decision -
Decision Reference DRN3968772
16 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs H complain that an authorised representative of Legal & General Partnership Services Limited (L&G) gave them poor advice when they were applying for a mortgage.Mr and Mrs H are represented by a claims management company (CMC).backgroundIn 2007 Mr and... (2 pages)View decision -
Decision Reference DRN7448413
9 Nov 2018 Bank of Scotland Plc Not upheldBanking and creditMr N’s unhappy about the way Bank of Scotland plc (trading as Halifax) has dealt with him when he was experiencing financial difficulty.background In 2010 Mr N contacted Bank of Scotland when he was in financial difficulty. He says it transferred him to a debt managemen... (3 pages)View decision -
Decision Reference DRN9246291
22 Dec 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr C complains that a debt management plan was mis-sold to him by Harrington Brooks (Accountants) Limited. He is being helped with his complaint by a representative.backgroundMr C entered into a debt management plan in April 2010 with another debt management company. Th... (2 pages)View decision -
Decision Reference DRN8447839
24 Dec 2019 Euler Hermes SA/NV Not upheldInsurance (excluding PPI)M’s complaint is about a claim it made on its Euler Hermes trade credit insurance policy. Mr H, on behalf of M, says Euler Hermes should pay M’s solicitors fees in bringing a claim against a debtor. backgroundM had the benefit of a trade credit insurance policy. The policy provided cover f... (2 pages)View decision -
Decision Reference DRN-2488827
10 Feb 2021 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2488827 The complaint Mr M complains that Cabot has failed to provide proof it acquired debts in his name. Mr M also complains about Cabot’s actions when trying to recover the debts. Mr M complains that Cabot has recorded information on his credit file. What happened On 22 October 2018... (3 pages)View decision -
Decision Reference DRN-1803527
2 Jul 2020 National Westminster Bank Plc Not upheldInsuranceDRN-1803527The complaintMrs H complains that National Westminster Bank Plc used compensation from mis-sold payment protection insurance (PPI) to reduce a debt it says Mrs H owes. Mrs H wants the compensation paid directly to her. What happenedMrs H complained about PPI she was sold with th... (2 pages)View decision -
Decision Reference DRN1139438
2 Mar 2016 Bank of Scotland Plc UpheldBanking and creditMrs M complains that Bank of Scotland plc (trading as Halifax) failed to remove her name from a joint account she held with her husband and unfairly holds her liable for the overdraft debt. background Mrs M opened a joint Halifax account with her then husband, Mr S... (4 pages)View decision
