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 DRN7002239
15 Jun 2015 HSBC Bank plc UpheldBanking and creditMrs R complains that HSBC Bank Plc treated her unfairly when it: sent letters to the wrong address issued loan documents in the name of a dissolved company turned one debt in to two debts rejected loan payments instructed a debt collection agency Ideally, Mr... (2 pages)View decision -
Decision Reference DRN-2047588
20 Oct 2020 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-2047588 The complaint Mrs B complains about the actions of Link Financial Outsourcing Limited (Link Financial) whilst trying to recover a debt that it says it acquired from the original lender. What happened On 16 December 2014 the original lender wrote to Mrs B to say her debt had bee... (2 pages)View decision -
Decision Reference DRN0515766
7 Feb 2019 Link Financial Outsourcing Limited UpheldBanking and creditMs M complains that Link Financial Outsourcing Limited did not provide her with information when her debt was transferred to it and failed to respond to requests for information. She feels she should get compensation and her credit file should be amended.background Ms ... (2 pages)View decision -
Decision Reference DRN1002276
25 Sep 2019 Hoist Finance UK Limited UpheldBanking and creditMiss B complains Hoist Finance UK Limited (Hoist), has pursued her for a debt which she has paid.backgroundIn May 2019, Miss B was contacted by Hoist about an outstanding debt it said she owed. Miss B complained to Hoist and said she didn’t recognise the debt but that it should have been i... (3 pages)View decision -
Decision Reference DRN9581535
21 Dec 2016 Santander UK Plc UpheldPayment protection insurance (PPI)Mr and Mrs M are complaining that Santander UK Plc (Santander) mis-sold them two payment protection insurance (PPI) policies. They’re unhappy that it wants to use some of the compensation it’s offered to reduce a debt it says they still owe.backgroundIn 2005 Mr and Mrs ... (6 pages)View decision -
Decision Reference DRN1422905
5 Dec 2018 Clydesdale Financial Services Limited Not upheldBanking and creditMr S complains that despite Clydesdale Financial Services Limited, trading as Barclays Partner Finance (“BPF”) writing to him to say his debt had been written off and this being confirmed by the debt management company, he later received a letter to say he still had th... (2 pages)View decision -
Decision Reference DRN4422186
20 May 2014 Cabot Financial (UK) Limited UpheldBanking and creditMr J complains that Cabot Financial (Europe) Limited wrongly pursued him for payment of incorrect debt amounts.background Mr J had two credit card debts which were assigned to Cabot in 2009. Mr J had been told by his original credit card provider in 2007 that his two debts had been froz... (2 pages)View decision -
Decision Reference DRN4022638
11 Apr 2013 Lloyds TSB Bank Plc UpheldBanking and creditMr B and Mrs C’s complaint is in respect of a current account with Lloyds TSB Bank Plc (“Lloyds TSB”). The account was initially a sole account in Mr B’s name only before it was asked that Mrs C be added in July 2004. The bank declined this request due to Mrs C’s credit score. But she ... (3 pages)View decision -
Decision Reference DRN1139857
18 Apr 2016 The Co-operative Bank Plc Not upheldPayment protection insurance (PPI)Mr W’s complaint is about the way The Co-operative Bank Plc (the Co-op) dealt with claim payments made under a payment protection insurance (PPI) policy he took out with a loan. backgroundIn March 2005 Mr W took out a loan with the Co-op for £15,000. At the sam... (3 pages)View decision -
Decision Reference DRN-1665414
26 Jun 2020 Somerset Bridge Insurance Services Limited UpheldInsuranceDRN-1665414 The complaintMr M is unhappy with the administration of his motor insurance policy by Somerset Bridge Insurance Services Limited. What happenedMr M had a motor insurance policy which was administered by Somerset Bridge Insurance Services Limited (SBIS). During the period coveri... (5 pages)View decision
