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 DRN8148230
20 Jun 2014 Career Development Finance Limited Not upheldBanking and creditMs D complains that she is being pursued by a debt collection agency for repayment of a loan from Career Development Finance Limited which she says she had cancelled. backgroundSome years ago, Ms D took out a point of sale loan from Career Development Finance Limited to pay for her car... (2 pages)View decision -
Decision Reference DRN1082709
25 Jan 2016 Bank of Scotland Plc Not upheldBanking and creditMr A feels that Bank of Scotland Plc (“BOS”) has treated him unfairly in relation to how it has treated him with regard to the debts he has with it.backgroundMr A said that BOS didn’t respond to his proposal for a solution regarding his various debts in a reason... (2 pages)View decision -
Decision Reference DRN2643044
29 Jun 2016 National Westminster Bank Plc UpheldPayment protection insurance (PPI)Mr K is complaining that National Westminster Bank Plc (‘NatWest’) mis-sold him two payment protection insurance (‘PPI’) policies. He’s unhappy that it’s used the compensation it offered to reduce an outstanding debt.backgroundIn Mr K took out two loans through NatWest ... (3 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 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 DRN0292740
19 Dec 2013 NEO Media Solutions Limited UpheldBanking and creditMr R complains that NEO Media Solutions Limited (trading as One Debt Solution) failed to administer his debt management plan appropriately.our initial conclusionsOur adjudicator upheld the complaint. He concluded that One Debt Solution failed to meet the requirements of the Office... (2 pages)View decision -
Decision Reference DRN7169939
6 Feb 2017 Kensington Mortgage Company Limited UpheldBanking and creditMr S complains Kensington Mortgage Company Limited continued to send information to the credit reference agencies about the secured loan he had held with it despite the loan being included in his bankruptcy and the bankruptcy being discharged. He wants compensation.bac... (3 pages)View decision -
Decision Reference DRN6664548
1 Dec 2020 Volkswagen Financial Services (UK) Limited UpheldBanking and creditMs J complains that she received a letter from solicitors acting on behalf of Volkswagen Financial Services (UK) Limited trading as SEAT Finance chasing repayment of a debt she’d already repaid. She wants an explanation and compensation for the upset caused. background Ms J told us that se... (4 pages)View decision -
Decision Reference DRN5533199
16 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMs V complains about a debt reduction agreement that she took out with NEO Media Solutions Limited, trading as One Debt Solution. She complains that it did not pay money to her creditors as it had agreed to do.backgroundMs V entered into a debt reduction agreement with One Debt Solutio... (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
