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 69711 results
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Decision Reference DRN-2263614
14 Dec 2020 Link Financial Outsourcing Limited Not upheldBanking and PaymentsDRN-2263614 The complaint Mr S has complained about Link Financial Outsourcing Limited chasing him for a debt which he feels should’ve been covered by a previous Payment Protection Insurance (PPI) policy. What happened This complaint is about a credit card account which Link began managing... (2 pages)View decision -
Decision Reference DRN0702112
2 Apr 2014 Bank of Scotland Plc Not upheldBanking and creditMrs C is unhappy that Bank of Scotland plc registered a default on her credit file as she says her ex-husband (Mr C) is responsible for the former joint account debt. She also complains that Bank of Scotland sent the default letters to her old address so she didn’t become aware of the d... (2 pages)View decision -
Decision Reference DRN4996705
18 Sep 2013 National Westminster Bank Plc Not upheldBanking and creditMr L and Mr M are brothers. They complain that National Westminster Bank Plc and its debt collection agent have given them inconsistent and incomplete information about the amounts it says they owe to it.background Mr L and Mr M ran a business which failed in the early 1990s. They had ... (3 pages)View decision -
Decision Reference DRN4992269
18 Jan 2016 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs P through their Claims Management Company (“CMC”) say that an appointed representative of Legal & General Partnership Services Limited mis-sold them a mortgage.backgroundL&G advised Mr and Mrs P on a remortgage in 2008. The CMC says that the advice ... (2 pages)View decision -
Decision Reference DRN4622529
24 Jul 2019 Nationwide Building Society Not upheldBanking and creditMr E complains that Nationwide Building Society (“Nationwide”) sold him an unaffordable loan and that it’s treated him unfairly while he’s experienced financial difficulties. Mr E has been represented when bringing this complaint. To keep things simple I’ve referred to him and his represen... (6 pages)View decision -
Decision Reference DRN3830528
5 Aug 2015 Lloyds Bank PLC Not upheldBanking and creditMr R feels that Lloyds Bank Plc (Lloyds) hasn’t treated him fairly about a loan he took with it.backgroundMr R complains that Lloyds shouldn’t have sold him a loan as he couldn’t afford to repay it.Mr R complained and Lloyds said it had dealt with the issues appr... (2 pages)View decision -
Decision Reference DRN0651182
25 Jan 2018 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mrs A has complained about the way Capital One (Europe) plc (“Capital One”) has used the compensation it agreed to pay her after she complained about the mis-sale of payment protection insurance (“PPI”).backgroundMrs A took out a credit card with Capital One and also to... (3 pages)View decision -
Decision Reference DRN-1456123
27 May 2020 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-1456123The complaintMr L complains that Bank of Scotland plc (Halifax) referred his credit card account to a debt collection agency whilst he had an ongoing complaint on a separate issue. He would like Halifax to remit his debt and to instruct the debt collection agency to stop chasing... (2 pages)View decision -
Decision Reference DRN2772469
14 Nov 2013 Lowell Financial Ltd Not upheldBanking and creditMr W complains that Lowell Financial Ltd (“Lowell”) is seeking repayment for two credit card debts that are not his. He says he does hold two credit cards with a third party credit card company but the account numbers are not the same. Mr W says that even if these debts were his they sho... (2 pages)View decision -
Decision Reference DRN-3422891
17 Jun 2022 Lowell Financial Ltd Not upheldConsumer CreditDRN-3422891 The complaint Mr W is unhappy that Lowell Financial Ltd pursued him for a debt and obtained a County Court Judgment (CCJ) against him. What happened Mr W had several loans with another provider which were sold to Lowell in 2015. Lowell attempted to seek repayment of these from ... (2 pages)View decision
