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 DRN-3760774
4 Nov 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3760774 The complaint Mrs B complains that she didn’t get help from National Westminster Bank Plc (NatWest) when she was in persistent debt. What happened Mrs B had a credit card from NatWest. The limit was £14,300. In March 2020, the balance was £14,132 and in September 2020, the bala... (3 pages)View decision -
Decision Reference DRN-4732644
19 Feb 2025 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-4732644 The complaint Miss B complains that Lowell Portfolio I LTD (Lowell) are pursuing her for a debt she says she is not responsible for. What happened Miss B had a current account including an overdraft facility with a bank I’ll refer to as Firm A for the purposes of this decisio... (3 pages)View decision -
Decision Reference DRN4197039
1 Aug 2019 The Royal Bank of Scotland Plc UpheldBanking and creditMrs G complains about the Royal Bank of Scotland Plc (“RBS”) in respect of its handling of her debt. She wants RBS to allow her to consolidate her debt into her mortgage. background Mrs G held a mortgage with RBS and also had unsecured borrowing from RBS, including an overdraft, personal l... (3 pages)View decision -
Decision Reference DRN6754706
25 Jun 2019 NRAM Limited Not upheldPayment protection insurance (PPI)Mr P has complained about how NRAM Limited (“NRAM”) intends to use compensation from the mis-sale of a payment protection (“PPI”) policy he took with a personal loan. background I issued my provisional decision on 15 March 2019. A copy of my provisional decision is attached and forms part ... (5 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 DRN0001079
9 Jul 2019 Lloyds Bank PLC Not upheldBanking and creditMr J complains about lending made to him by Lloyds Bank PLC.backgroundMr J borrowed a large amount of money from Lloyds, by first applying for and then greatly increasing an overdraft. He said he’d borrowed £2,500 in a short period of time. Mr J said he shouldn’t have been able to do that,... (4 pages)View decision -
Decision Reference DRN8640496
10 Nov 2014 The Debt Dissolver Ltd UpheldBanking and creditMr B complains about a debt management plan he took out with The Debt Dissolver Ltd. He is unhappy that the payments he has made to The Debt Dissolver have not been passed to his creditors. backgroundMr B entered into a debt management plan with The Debt Dissolver around September 20... (2 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 DRN-2934378
16 Sep 2021 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-2934378 The complaint Mr F complains that Clydesdale Bank plc, trading as Virgin Money, won’t refund to him the money that he paid to a debt recovery company. What happened Mr F was owed money by a third party and entered into a contract with a debt recovery company in November 2018 fo... (3 pages)View decision -
Decision Reference DRN3208366
24 Nov 2015 Cabot Financial (Europe) Limited UpheldBanking and creditMr H complains that Cabot Financial (Europe) Limited can’t prove that he owes a debt it is chasing him to repay.background Mr H asked Cabot to provide proof of his debt in the form of credit agreements and proof that it legally owns the debt. Mr H was making repayme... (2 pages)View decision
