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 74386 results
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Decision Reference DRN4206690
14 Feb 2020 Lloyds Bank PLC Not upheldBanking and creditMr B complains that Lloyds Bank PLC unfairly placed late payment markers on his credit file.backgroundMr B got into financial difficulty a number of years ago. He entered into a debt arrangement scheme. But he says Lloyds continued to mark his credit file with late payments, even though hi... (3 pages)View decision -
Decision Reference DRN9498032
9 Dec 2019 NRAM Limited Not upheldBanking and creditThis complaint is about a debt that NRAM Limited is trying to recover from Mr H. He says it’s not his debt and even if it was, NRAM is statute-barred from pursuing him for it.backgroundIn what follows, I have summarised events in rather less detail than they’ve been presented, using my own... (4 pages)View decision -
Decision Reference DRN3614766
10 Dec 2014 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr A’s complaint is about how The Royal Bank of Scotland Plc (RBS) has used the compensation it offered for three mis-sold payment protection insurance (PPI) policies. Mr A wants RBS to pay all the compensation directly to him.backgroundMr A originally complained to RBS about the mis-sa... (5 pages)View decision -
Decision Reference DRN0001079
9 Jul 2019 Lloyds Bank PLC Not upheldBanking and creditMr J complains about lending made to him by Lloyds Bank PLC.backgroundMr J borrowed a large amount of money from Lloyds, by first applying for and then greatly increasing an overdraft. He said he’d borrowed £2,500 in a short period of time. Mr J said he shouldn’t have been able to do that,... (4 pages)View decision -
Decision Reference DRN3276231
15 Aug 2014 Shop Direct Finance Company Limited Not upheldPayment protection insurance (PPI)Mrs A’s complaint is about the amount of compensation she should receive from Shop Direct Finance Company Limited (“Shop Direct”). Mrs A believes she should receive all of the redress payable directly to her.backgroundMrs A complained about a regular premium payment protection insurance ... (3 pages)View decision -
Decision Reference DRN2830779
13 Aug 2015 MBNA Limited Not upheldBanking and creditMr H complains that after receiving his payment protection insurance (“PPI”) refund, he then received threatening letters and suffered belligerent and unresponsive behaviour from debt collection agencies collecting the outstanding debt on a credit card issued by MBNA Limi... (3 pages)View decision -
Decision Reference DRN3968772
16 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs H complain that an authorised representative of Legal & General Partnership Services Limited (L&G) gave them poor advice when they were applying for a mortgage.Mr and Mrs H are represented by a claims management company (CMC).backgroundIn 2007 Mr and... (2 pages)View decision -
Decision Reference DRN-1803527
2 Jul 2020 National Westminster Bank Plc Not upheldInsuranceDRN-1803527The complaintMrs H complains that National Westminster Bank Plc used compensation from mis-sold payment protection insurance (PPI) to reduce a debt it says Mrs H owes. Mrs H wants the compensation paid directly to her. What happenedMrs H complained about PPI she was sold with th... (2 pages)View decision -
Decision Reference DRN-2488827
10 Feb 2021 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2488827 The complaint Mr M complains that Cabot has failed to provide proof it acquired debts in his name. Mr M also complains about Cabot’s actions when trying to recover the debts. Mr M complains that Cabot has recorded information on his credit file. What happened On 22 October 2018... (3 pages)View decision -
Decision Reference DRN0781139
24 Jun 2016 Legal & General Partnership Services Limited UpheldBanking and creditThis complaint is about a mortgage arranged for Mr and Mrs M by an adviser connected with Legal & General Partnership Services Limited (L&G).Mr and Mrs M are unhappy that they were advised to remortgage and borrow extra money to consolidate three credit cards... (3 pages)View decision
