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
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Decision Reference DRN0672252
6 Jun 2017 Vanquis Bank Limited UpheldBanking and creditMiss C complains that Vanquis Bank Limited added a default to her credit file when she’d been told this wouldn’t happen if she kept in touch. She wants it removed.backgroundMiss C says that in May 2016 she contacted Vanquis to tell it she’d lost her employment. And t... (2 pages)View decision -
Decision Reference DRN9412903
20 Feb 2014 HSBC Bank plc Not upheldBanking and creditMs B complains that HSBC Bank Plc failed to remove her deceased husband’s name as an additional cardholder when requested to do so. She also complains that a debt collection agency has recently contacted her about the repayment of a credit card debt she held with HSBC. backgroundMs B h... (2 pages)View decision -
Decision Reference DRN5813397
21 Nov 2016 Link Financial Outsourcing Limited UpheldBanking and creditMr O complains that Link Financial Outsourcing Limited (Link) applied for a charging order in a court that wasn’t local to him.background Mr O had a credit card debt, which he wasn’t able to repay. The debt was sold to Link Financial Outsourcing, which then assigned ... (2 pages)View decision -
Decision Reference DRN3091786
7 Jun 2013 The Royal Bank of Scotland Plc Not upheldBanking and creditMr T complains that, even after court proceedings declared that The Royal Bank of Scotland Plc could not pursue Mr T for a business loan debt, the bank continued to send both him and his solicitor correspondence about the loan. He says it also registered adverse information about the l... (1 page)View decision -
Decision Reference DRN1142583
16 Feb 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs H complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).backgroundMr and Mrs H had a mortgage and a range of debts, including credit cards and loans. Acting on advice from L&G, they re-mor... (3 pages)View decision -
Decision Reference DRN9672838
10 Jul 2013 MBNA Limited UpheldBanking and creditMrs N complains that MBNA Europe Bank Limited is chasing her for a debt that she says is not hers.background In 2011 Mrs N found that she had been paying a regular monthly direct debit to MBNA. She cancelled the direct debit and told her bank that she did not know what the payments wer... (2 pages)View decision -
Decision Reference DRN4874967
3 Aug 2016 Lowell Financial Ltd Not upheldBanking and creditMrs A complains that Lowell Financial Ltd wrongly sent a letter to her husband’s email address about a debt she had.backgroundMrs A had debts (which I shall call P and Q) with two different companies. Lowell wrote to Mrs A in 2014 to say it had purchased debt P,... (2 pages)View decision -
Decision Reference DRN5620563
16 Jun 2020 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Ms I is unhappy with how Capital One (Europe) Plc (Capital One) has used the compensation it offered to settle her complaint about a mis-sold payment protection insurance (PPI) policy related to a credit card.backgroundMs I took out a credit card with Capital One in 2005 and also took out ... (4 pages)View decision -
Decision Reference DRN-4534208
14 Mar 2024 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4534208 The complaint Mrs W complains Tesco Personal Finance PLC trading as Tesco Bank unfairly declined her fraud claim and didn’t provide enough assistance when she was in persistent debt. What happened The Investigator has set out a clear and detailed background to the complaint, so... (5 pages)View decision -
Decision Reference DRN-4362925
5 Oct 2023 Credit Resource Solutions Ltd UpheldConsumer CreditDRN-4362925 The complaint Mr B complains that Credit Resource Solutions Ltd trading as CRS has chased him for debts that were formed part of his bankruptcy order. What happened Mr B has explained that he was made bankrupt in 2021 and discharged in 2022. In September 2022 CRS says it was in... (2 pages)View decision
