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 71923 results
-
Decision Reference DRN4472726
20 Sep 2013 HSBC Bank plc Not upheldBanking and creditMrs F complains that HSBC Bank plc continued to accept payments through a debt management plan for many years after it had written off the debt. Mrs F wants this money – about £8,000 – returned to her. Mrs F is represented by her husband. backgroundMrs F took out a loan with the ban... (2 pages)View decision -
Decision Reference DRN0691564
5 Jul 2017 Lloyds Bank PLC Not upheldBanking and creditMrs R has complained via her son, Mr R, that Lloyds Bank PLC wrongly sold her debt to a third party collection agency without advising her and she can’t now get a replacement paying-in book. backgroundIn 2010 Mrs R’s was experiencing financial difficulties and her ... (2 pages)View decision -
Decision Reference DRN0303725
27 Feb 2017 DFH Limited Not upheldBanking and creditMr W, represented by a claims management company (CMC), complains that the debt management plan (DMP) he entered into with DFH Limited (the business) was mis-sold.backgroundMr W entered into a DMP with the business in 2010. He says that when he entered into the DMP he... (3 pages)View decision -
Decision Reference DRN5198835
12 Dec 2016 123 Debt Solutions Ltd Not upheldBanking and creditMs H’s complaint is about the way in which 123 Debt Solutions Ltd (123) administered a debt management plan (DMP) on her behalf. The complaint is brought by a claims management company on Ms H’s behalf.backgroundMs H entered into a DMP with 123 in June 2012, follo... (2 pages)View decision -
Decision Reference DRN7471506
16 Dec 2015 CitiFinancial Europe Plc Not upheldBanking and creditMr J complains that CitiFinancial Europe Plc did not contact him about his debt for nearly six years, and then sold the debt without telling him.background In 2000 Mr J borrowed over £3,500 from CitiFinancial. He was supposed to pay back £135 a month, but he soon ... (2 pages)View decision -
Decision Reference DRN1167876
23 Sep 2018 Paragon Finance Plc Not upheldBanking and creditMr T complains that Paragon Finance Plc trading as Idem Servicing (“Idem”) acted unfairly and unreasonably by contacting him about a mortgage shortfall debt without being willing to prove it owned the debt or explain at first why it was contacting him. He wants Idem t... (2 pages)View decision -
Decision Reference DRN0418846
7 Mar 2018 Lowell Portfolio I Ltd Not upheldBanking and creditMr F complains that Lowell Portfolio I Ltd has wrongly registered a default on his credit file. backgroundLate in 2014, Lowell purchased a debt that Mr F owed to a credit card company. Mr F said he didn’t owe that money, so Lowell sent Mr F copy of the agreement ... (3 pages)View decision -
Decision Reference DRN-2688644
11 May 2021 HSBC UK Bank Plc UpheldConsumer CreditDRN-2688644 The complaint Ms S complains that HSBC UK Bank Plc (HSBC) lent to her irresponsibly. What happened Ms S had several debt facilities with HSBC. Type Date Amount Period Repaid Loan 1 April 2018 £2,000 36 months April 2019 by loan 2 Loan 2 April 2019 £2,530 24 months April 2019 by... (3 pages)View decision -
Decision Reference DRN1285042
14 Jan 2016 Bank of Scotland Plc UpheldBanking and creditMr M complains about Bank of Scotland Plc. There are a number of aspects to his complaint but in essence, Mr M complains that: Bank of Scotland acted irresponsibly when it granted him a personal loan in 2008; Bank of Scotland did not help him when he told the bank ... (3 pages)View decision -
Decision Reference DRN7643146
15 Dec 2015 TSB Bank plc Not upheldBanking and creditMr and Mrs W are unhappy that TSB Bank plc hasn’t kept them up-to-date with what’s been happening on their current account and has shared their details with a third party without their permission. backgroundIn 2013 Mr and Mrs W’s debit interest was added to their ... (3 pages)View decision
