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 DRN2301101
29 Mar 2019 Lowell Financial Ltd Not upheldBanking and creditMr A complains about a debt Lowell Financial Ltd is asking him to repay.backgroundMr A had an overdrawn account with a bank I’ll call B. In 2013, Lowell bought this debt from B and wrote to Mr A to explain that this is what had happened and asking him to pay the ... (2 pages)View decision -
Decision Reference DRN4073310
4 Dec 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMr U and Mr W through their solicitor B complain that A, an appointed representative of Legal & General Partnership Services Limited, gave unsuitable advice to pay unsecured debts using a mortgage (“consolidation”) and caused them financial loss. They want compensation... (2 pages)View decision -
Decision Reference DRN8136026
7 Mar 2017 Kapama Limited UpheldBanking and creditMrs M complains about excessive charges that were added to her loan account before it was sold to Kapama Limited.backgroundIn 2013 Mrs M borrowed £100 from a third party. She failed to repay the loan, and the outstanding balance is now £1,816, which is mostly made u... (2 pages)View decision -
Decision Reference DRN6147728
22 Mar 2016 Barclays Bank Plc Not upheldBanking and creditMr H complains that Barclays Bank PLC (trading as Barclaycard) is demanding payment of a credit card debt he thought he’d paid in full.backgroundMr H says he took a loan to pay off his credit card and didn’t think he owed any money. He hadn’t had any contact from the... (2 pages)View decision -
Decision Reference DRN2439089
13 Apr 2015 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr M complained to Capital One (Europe) plc (Capital One) about a payment protection insurance (PPI) policy taken out with a credit card. Capital One used the compensation it offered to reduce the debt Mr M owed on the credit card. Mr M wants Capital One to pay the... (3 pages)View decision -
Decision Reference DRN7599641
28 Nov 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr P, represented by a claims management company (CMC), complains that Harrington Brooks (Accountants) Limited did not tell him about the free debt services available when he entered into his debt management plan (DMP). He also complains that distributions to his cred... (2 pages)View decision -
Decision Reference DRN3964463
25 Jul 2018 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs M complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (L&G).backgroundMr and Mrs M re-mortgaged through L&G, consolidating two loans and raising capital of some £35,000. They sa... (4 pages)View decision -
Decision Reference DRN7860988
29 Sep 2016 Foundation for Credit Counselling Not upheldBanking and creditMiss B complains that Foundation for Credit Counselling, trading as StepChange, mis-sold her a debt management plan. The complaint is brought on her behalf by a claims management company. It says a debt relief order would’ve been more suitable.backgroundMiss B sou... (2 pages)View decision -
Decision Reference DRN2024178
26 Feb 2016 1st Credit Limited UpheldBanking and creditE has complained that 1st Credit Limited is unfairly pursuing it for a debt. It says the debt hasn’t been proved, and that it’s unfair to be considering taking the former matrimonial home into account as a potential way of recouping the amount owed.backgroundE is t... (2 pages)View decision -
Decision Reference DRN6488328
17 Jun 2014 HSBC Bank plc Not upheldBanking and creditMr T complains that HSBC Bank Plc has continued its actions to recover a debt he owes it while his case is being investigated by this service. He believes that this is harassment and he seeks an apology and reimbursement of his costs. backgroundMr T has an outstanding debt on his credit ... (2 pages)View decision