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 71523 results
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Decision Reference DRN9579228
15 Jan 2016 Bank of Scotland Plc Not upheldBanking and creditMr J complains that following the sale of his debt by Bank of Scotland plc, defaults relating to the accounts he previously held with the bank are shown twice on his credit file.backgroundIn 2010 Bank of Scotland recorded defaults against each of Mr J’s accounts o... (4 pages)View decision -
Decision Reference DRN8678767
24 Oct 2014 Tesco Personal Finance PLC UpheldPayment protection insurance (PPI)Mrs J complained about how Tesco Personal Finance PLC (Tesco) was going to repay the compensation it had offered to her for the mis-sale of a regular premium payment protection insurance policy (PPI) sold with a credit card. Tesco wants to use the compensation to set against a debt from... (5 pages)View decision -
Decision Reference DRN3858828
11 Dec 2019 Cabot Credit Management Group Limited UpheldBanking and creditMr T has complained about three credit card debts of his that have purportedly been assigned to Cabot Credit Management Group Limited (‘Cabot’). He’s unhappy about the lack of information he’s received from Cabot about the debts and how much he owes. backgroundThere are three debts, under ... (2 pages)View decision -
Decision Reference DRN0179629
29 Jan 2016 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr M complains that the compensation offered by The Royal Bank of Scotland Plc (“RBS”), in response to his complaint about payment protection insurance (PPI) attached to his credit card was wrongly used by RBS to reduce the debt on his credit card account. background... (6 pages)View decision -
Decision Reference DRN0451395
23 Apr 2015 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)Mrs P’s complaint concerns a loan and an associated payment protection insurance (PPI) policy taken with National Westminster Bank Plc. She’s unhappy that NatWest applied PPI mis-sale redress to the arrears on her loan account. our initial conclusionsOur adjudicator did n... (2 pages)View decision -
Decision Reference DRN-2016022
22 Jul 2020 National Westminster Bank Plc Not upheldMortgagesDRN-2016022 The complaintMr M and Mr N complain that National Westminster Bank plc wrongly advised them to repay debts before applying for a mortgage. They ask that NatWest pays compensation and removes its credit search from their credit files. What happenedMr M and Mr N applied for a mo... (3 pages)View decision -
Decision Reference DRN3862533
24 Aug 2018 Christians Against Poverty Not upheldBanking and creditMs W is unhappy with how Christians Against Poverty ‘CAP’ have handled her debts.backgroundIn August 2016 Ms W contacted CAP for support handling her debts. At this time she owed money on her council tax, to two utility companies and had three other outstanding deb... (5 pages)View decision -
Decision Reference DRN9014049
22 Apr 2013 Money Debt And Credit Limited UpheldBanking and creditMr R complains about a debt management plan he entered into with Money Debt And Credit Limited. He feels he was misled into taking out the plan as he was told he would be debt free in three years and his credit rating would not be affected. He has however now been told this was inc... (2 pages)View decision -
Decision Reference DRN2818666
24 Aug 2016 Debt Advisory Line Limited Not upheldBanking and creditMrs P complains that Debt Advisory Line Limited didn’t make her aware of free alternatives when she contacted it for help with her debts. She is being helped with her complaint by a representative.backgroundMrs P contacted Debt Advisory Line in 2013 for help with her... (2 pages)View decision -
Decision Reference DRN6357714
26 Oct 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs R complain that an appointed representative of Legal & General PartnershipServices Limited (“LGPS”) provided unsuitable advice to them regarding their re-mortgage in2006. Mr and Mrs R are represented by a claims management company (“CMC”).backgroundMr and ... (4 pages)View decision
