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 DRN1314385
11 Jul 2018 Lowell Financial Ltd Not upheldBanking and creditMr P complains that Lowell Financial Ltd has not provided him with the information he has requested to prove the debt he paid towards was his.backgroundMr P says that around 2007 his house was repossessed and the bank with which he held a mortgage (the bank) recover... (3 pages)View decision -
Decision Reference DRN-2599176
19 Mar 2021 Bank of Scotland Plc Not upheldMortgagesDRN-2599176 The complaint Mrs T’s complaint is about a ‘Retirement Home Plan’ she has with Bank of Scotland plc (BoS). Her representative feels the mortgage was mis-sold because of Mrs T’s cognitive impairments, due to an educational disability, meant that she couldn’t understand the contr... (6 pages)View decision -
Decision Reference DRN-1687560
3 Sep 2020 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-1687560The complaintMiss C has complained that Capquest Debt Recovery Limited chased her for a debt that she thought was statute barred. What happenedIn 2007, Miss C took out a debt. In 2010, the debt was defaulted. In 2012, it was sold on, and in 2016 it was passed to Capquest to mana... (2 pages)View decision -
Decision Reference DRN-3426927
8 Dec 2022 China Taiping Insurance (UK) Co Ltd Not upheldInsuranceDRN-3426927 The complaint A company, which I’ll refer to as H, complains that China Taiping Insurance (UK) Co Ltd cancelled its retail catering policy and declined its claim for flood damage. The director of H, whom I’ll refer to as Mr S, brings the complaint on H’s behalf. What happened H... (4 pages)View decision -
Decision Reference DRN-4003194
31 Mar 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4003194 The complaint Miss W is unhappy about the way that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) has handled the outstanding balance on her credit card account. Miss W wants Tesco to write the outstanding debt off or pay significantly more compensation than it’s offe... (3 pages)View decision -
Decision Reference DRN6241646
2 Jan 2014 1st Credit (Finance) Limited Not upheldBanking and creditMr B complains that 1st Credit (Finance) Limited has asked him for repayment for a debt that he has not acknowledged and which he has heard nothing from the creditor for the past six years. He says 1st Credit has not shown that the debt is not statute barred under The Limitations Act 19... (2 pages)View decision -
Decision Reference DRN7045165
9 May 2017 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr L isn’t happy with the offer The Royal Bank of Scotland Plc (RBS) made to resolve his payment protection insurance (PPI) mis-sale complaint. backgroundMr L took out 7 loans with RBS between 2003 and 2007. He had a PPI policy attached to each loan. Mr L complained ... (3 pages)View decision -
Decision Reference DRN-3590931
31 Aug 2022 Credit Link Account Recovery Solutions Limited Not upheldConsumer CreditDRN-3590931 The complaint Miss H has complained that Credit Link Account Recovery Solutions Limited are pursuing her for a debt which she feels they haven’t sufficiently proven she owes them. What happened This complaint surrounds a consumer credit account that was opened in 2019, and was ... (2 pages)View decision -
Decision Reference DRN-1003508
2 Jul 2020 Arrow Global Limited UpheldConsumer CreditThe complaint Miss S has complained that Arrow Global Limited has been pursuing her for a debt which isn’t hers. What happened Miss S is unhappy that Arrow Global is pursuing her for a debt which she thinks might be for a fraudulent loan from 2004. She wants Arrow Global to provide proof o... (2 pages)View decision -
Decision Reference DRN-3968419
15 Feb 2023 Lowell Financial Ltd UpheldConsumer CreditDRN-3968419 The complaint Failed to send him appropriate evidence to say they’d taken over the debts, and have used his data illegally Are contacting him, as he’s got disputes over the two accounts they’ve purchased, and says they’re bullying and victimising him by affecting his health w... (8 pages)View decision
