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 77331 results
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Decision Reference DRN3411538
2 Dec 2015 The Co-operative Bank Plc UpheldPayment protection insurance (PPI)Miss C’s complaint is about the mis-sale of two payment protection insurance (PPI) policies and the way The Co-operative Bank Plc has offered to put that right.backgroundThis complaint is about two PPI policies which Miss C bought in 2005 at the same time as taking o... (2 pages)View decision -
Decision Reference DRN4841144
18 Mar 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMr B complains that Lowell Portfolio I Limited (“LPL”) is unfairly asking him to pay a debt that he does not owe it. The complaint is brought on behalf of Mr B by an adviser, but for ease I shall refer below to all actions being taken by Mr B.backgroundMr B ha... (2 pages)View decision -
Decision Reference DRN5130855
12 Aug 2015 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Miss D has complained about the way The Royal Bank of Scotland Plc (“RBS”) has used the compensation it agreed to pay her after she complained about the mis-sale of payment protection insurance (“PPI”) policies.backgroundMiss D took out PPI alongside eleven loans that she ... (3 pages)View decision -
Decision Reference DRN-3091688
12 Nov 2021 BW Legal Services Limited Not upheldConsumer CreditDRN-3091688 The complaint Mr S complains that BW Legal Services Limited is pursuing him for a debt without providing evidence it has authority to do so. What happened Mr S had a credit card with another business (C). Mr S has explained that after a period of working abroad he experienced i... (2 pages)View decision -
Decision Reference DRN-1962469
7 Jul 2020 American Express Service Europe Limited (AESEL) UpheldBanking and PaymentsThe complaint Mrs S complains that American Express Services Europe Limited (AESEL) (“AmEx”) told her she was in credit, and gave her a large refund. Mrs S relied on what AmEx said, and spent the money. But then it said she wasn’t in credit, and added the money to her debt. What happened M... (4 pages)View decision -
Decision Reference DRN-1576588
10 Sep 2020 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-1576588The complaintMr M is unhappy with how Bank of Scotland trading as Halifax (Halifax) is displaying information on his credit file. What happenedMr M experienced financial difficulty and entered into a Debt Arrangement Scheme (DAS). Once the DAS was finished Mr M discovered that s... (2 pages)View decision -
Decision Reference DRN-2542163
4 May 2021 Oxford Capital Partners LLP Not upheldInvestmentsDRN-2542163 The complaint Mr E complains that Oxford Capital Partners LLP (“Oxford Capital”) provided misleading information about the Enterprise Investments Scheme (EIS) he invested in. What happened Mr E invested £100,000 in March 2015 in Oxford Capital’s Infrastructure EIS. The EIS was ... (5 pages)View decision -
Decision Reference DRN0903920
13 Jan 2016 Legal & General Partnership Services Limited UpheldBanking and creditMr R, through a claims manager (CMC), complains that he received unsuitable mortgage advice from a representative of Legal & General Partnership Services Limited (L&G).backgroundIn 2009, after taking advice from L&G, Mr R took out a new mortgage. He repaid... (2 pages)View decision -
Decision Reference DRN-2397222
18 Feb 2021 Virgin Media Mobile Finance Limited UpheldConsumer CreditDRN-2397222 The complaint Mrs S complains that Virgin Media Mobile Finance Limited (VM) pursued her to repay a debt that it should have written off following completion of a debt relief order (DRO). What happened Mrs S took out a loan to pay for a mobile phone with VM in October 2016. Mrs ... (2 pages)View decision -
Decision Reference DRN8836175
9 Jul 2013 DEBT HELP DIRECT LIMITED UpheldBanking and creditMr F complains about the administration of payments he made under a Debt Help Direct Limited debt management plan. He says payments to one of his creditors continued to be made despite his clear instructions for those payments to stop. backgroundMr F signed up to a debt management plan ... (2 pages)View decision