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 70502 results
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Decision Reference DRN8105840
4 Dec 2014 HSBC Bank plc Not upheldBanking and creditMr J complains that HSBC Bank Plc acted unfairly in selling a debt arising from his current account and he disputes that the debt is due. backgroundIn early 2008 the bank authorised a £900 overdraft for Mr J. However he exceeded this limit and the bank asked that he reduce the balance.... (1 page)View decision -
Decision Reference DRN8592152
12 Dec 2017 Welcome Financial Services Limited UpheldPayment protection insurance (PPI)Mr D isn’t happy with how Welcome Financial Services Limited (‘Welcome Finance’) has offered to resolve his complaint about a payment protection insurance (‘PPI’) policy attached to his loan.Mr D has been represented throughout his complaint. backgroundMr D took out a loan w... (4 pages)View decision -
Decision Reference DRN-1689453
15 Dec 2020 The Mortgage Business Plc Not upheldMortgagesDRN-1689453 The complaint Mr M’s unhappy that The Mortgage Business Plc (“TMB”) is chasing him for the shortfalls that occurred when two of his properties were sold in possession in 2013 and 2014 respectively. He says because his credit file showed the debts had being marked as ‘satisfied’... (3 pages)View decision -
Decision Reference DRN-1724611
1 May 2020 Bank of Scotland Plc Not upheldMortgagesDRN-1724611 The complaintMr M is unhappy that Bank of Scotland plc (BoS) has approached him to repay the shortfall that existed following his home being repossessed in 2009 and sold in 2010. He has said he was unaware of the debt until 2019 and thinks it’s unfair he is being pursued for th... (3 pages)View decision -
Decision Reference DRN1836565
23 Mar 2018 TSB Bank plc UpheldBanking and creditMr B complains that TSB Bank plc did not write off his overdraft debt when his account was defaulted and passed to their debt recovery department in the way they had promised.He is also unhappy that TSB later told him that he had six to twelve months to update ... (6 pages)View decision -
Decision Reference DRN9927143
11 Feb 2015 Santander Consumer (UK) Plc Not upheldBanking and creditMrs D complains that Santander Consumer (UK) plc passed on a debt of hers to a debt collection agency without speaking to her first. She is unhappy that she has had to pay interest charges and that her account has been defaulted. background Mrs D entered into a finance agreement with Sa... (2 pages)View decision -
Decision Reference DRN8960972
26 Sep 2014 Arrow Global Limited UpheldBanking and creditMr M complains Arrow Global Limited is pursuing him for a debt that does not belong to him. He wants the debt and any adverse references to it on his credit file to be removed. He also wants compensation for harassment and time spent on resolving this matter.backgroundMr M entered into ... (2 pages)View decision -
Decision Reference DRN9543871
12 Sep 2014 Debt Connect (U.K.) Limited UpheldBanking and creditMiss Q and Mr D complain that Debt Connect (U.K.) Limited, trading as Debt Connect, has provided them with poor customer service. In particular, Debt Connect failed to forward to their creditors most of the monthly repayment amounts they sent to Debt Connect for onward distribution to ... (2 pages)View decision -
Decision Reference DRN9510776
21 Feb 2019 Tesco Personal Finance PLC Not upheldPayment protection insurance (PPI)Mr C is unhappy with how Tesco Personal Finance PLC (Tesco) wants to use the compensation it offered to settle his complaint about mis-sold payment protection insurance (PPI) taken out with a loan.backgroundIn May 1998 Mr C took out a loan with Tesco and at the same ... (3 pages)View decision -
Decision Reference DRN-4846285
21 Jun 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4846285 The complaint Miss M complains that HSBC UK Bank Plc refused to confirm whether it can take legal action to enforce outstanding debts in her name in court. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said:... (4 pages)View decision
