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 71745 results
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Decision Reference DRN2189372
7 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMiss B 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 and that it did not respond to her concerns satisfactorily.backgroundMiss B... (2 pages)View decision -
Decision Reference DRN-4623586
15 Mar 2024 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-4623586 The complaint Mr S complains that Link Financial Outsourcing Limited is attempting to collect a debt that is statute barred. What happened In the 1990s Mr S took out student loans. Mr S has explained that in 2004 he didn’t defer the loan repayments and the account was ultimatel... (3 pages)View decision -
Decision Reference DRN-2895478
15 Jul 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2895478 The complaint Mr S complains that Vanquis Bank Limited (Vanquis) lent to him irresponsibly. What happened Mr S had a credit card from Vanquis since 2012. His credit limit was increased four times – in January 2013, June 2013, November 2013 and October 2015. The last increase wa... (3 pages)View decision -
Decision Reference DRN5990383
25 Aug 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr G complains that The Royal Bank of Scotland Plc took money from his savings account to pay off his credit card debt.backgroundMr G fell into arrears with his credit card payments. The bank passed the debt to a debt collector and says a letter was sent to Mr G... (2 pages)View decision -
Decision Reference DRN3520358
3 Apr 2020 Capquest Debt Recovery Limited Not upheldBanking and creditMr H complains that as Capquest Debt Recovery Limited (“CDR”) has been unable to provide the credit agreement it can’t prove that a debt is his and that the outstanding amount should now be cancelled and he should be reimbursed all of the payments he has made on that account. Mr H also ask... (3 pages)View decision -
Decision Reference DRN-3821092
23 Nov 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3821092 The complaint Miss G complains that Lloyds Bank PLC mishandled its recovery of funds lent to her under a Bounce Back Loan, and in particular that it incorrectly advised her that she was entitled to money held in her account that it subsequently used to repay a debt. What happen... (4 pages)View decision -
Decision Reference DRN2865628
23 Jun 2015 Legal & General Partnership Services Limited UpheldBanking and creditMrs D complains that she received unsuitable mortgage advice from an appointed representative of Legal & General Partnership Services Limited (L&G). backgroundMrs D exercised her right to buy a council property in February 2005 and took mortgage borrowing with a t... (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 DRN-4460776
17 Nov 2023 NRAM Limited UpheldMortgagesDRN-4460776 The complaint Miss A complains that NRAM Limited Will not accept her offer of full and final settlement of a shortfall debt. Caused her distress by raising her expectations by telling her it would consider a full and final offer and then rejecting it without properly consider... (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
