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 DRN3118618
18 May 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs M complain that Legal & General Partnership Services Limited (LGPS) gave them unsuitable mortgage advice. In particular, they say it failed to advise them on the implications of consolidating unsecured debts onto their mortgage.Mr and Mrs M are represented... (2 pages)View decision -
Decision Reference DRN2294012
29 Sep 2017 Cabot Credit Management Group Limited Not upheldBanking and creditMr W complains that Cabot Credit Management Group Limited registered information on his credit file which he thinks it was not entitled to do.He asks that it stops putting “default notices” of his credit file, removes those that are there already and pay him reasonabl... (3 pages)View decision -
Decision Reference DRN-2832291
23 Aug 2021 Nationwide Building Society Not upheldMortgagesDRN-2832291 The complaint Mr and Mrs B’s complaint is about additional borrowing they applied for on their mortgage with Nationwide Building Society. They are unhappy that whilst the decision in principle was an accept, Nationwide later declined the application, leaving them in a difficult... (4 pages)View decision -
Decision Reference DRN-2810993
26 May 2021 National Westminster Bank Plc UpheldConsumer CreditDRN-2810993 The complaint Mr V complains that National Westminster Bank Plc sent him a letter to say it wasn’t pursuing him for outstanding debts but that a third party is still trying to collect payments. Mr V also complains that NatWest failed to offer support whilst he was experiencing ... (2 pages)View decision -
Decision Reference DRN5156533
3 Dec 2015 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr K’s complaint is about the payment of compensation by The Royal Bank of Scotland Plc (“RBS”) for the sale of payment protection insurance (“PPI”).backgroundIn this decision, I’m going to look at Mr K’s complaints about the compensation he’s been paid for two PPI po... (3 pages)View decision -
Decision Reference DRN1020905
23 Dec 2015 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Mr C’s complaint is about a payment protection insurance (PPI) policy taken out with a hire purchase loan. Creation Financial Services Limited (Creation) offered compensation to settle the complaint but Mr C isn’t happy with how Creation has used the compensation.back... (5 pages)View decision -
Decision Reference DRN9007866
23 Aug 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr and Mrs G complain that Lloyds TSB Bank Plc (Lloyds TSB) mis-sold a mortgage to them. They say it was unaffordable and did not raise sufficient money to consolidate all their debts, which had been their intention at the time. Mr and Mrs G also complain that they were advised to c... (2 pages)View decision -
Decision Reference DRN0316207
28 May 2013 EUI Limited UpheldInsurance (excluding PPI)Mrs L has complained that a debt collection agency is pursuing her for a debt related to her motor insurance policy, which she believed had been resolved in September 2008. backgroundMrs L had been insured with EUI Limited (trading as Diamond) for some years. At her 2008 renewal, sh... (2 pages)View decision -
Decision Reference DRN7914341
5 Feb 2018 Cabot Credit Management Group Limited Not upheldBanking and creditMr and Mrs J complain that Cabot Credit Management Group Limited won’t write off Mr J’s debts.backgroundMr J had two credit card accounts with third parties. In 2011 and 2013 Cabot bought these debts. The current outstanding balances come to a total of nearly £25,000... (2 pages)View decision -
Decision Reference DRN5583507
18 Dec 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMr C complains that Cabot Credit Management Group Limited (“Cabot”) sent him letters about three statute barred accounts in an attempt to deceive him into acknowledging them. He also says a fourth account should be considered statute barred.backgroundIn August 2018 Cabot transferred the ma... (2 pages)View decision
