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 DRN7867281
9 Oct 2018 Capquest Debt Recovery Limited UpheldBanking and creditMr H complains that Capquest Debt Recovery Limited won’t pay interest on a refund. backgroundIn 2012 Capquest acquired a debt that Mr H owed a third party lender. Mr H was in financial difficulties, this account had been in arrears for some time and Mr H was making... (2 pages)View decision -
Decision Reference DRN-4484778
16 Jan 2024 BW Legal Services Limited Not upheldConsumer CreditDRN-4484778 The complaint Mr S complains that BW Legal service Limited (BW Legal) continued to incorrectly pursue him for a debt even after he disputed it without proving to him it was his debt. What happened Mr S was the victim of fraud back in 2017. There were various fraudulent transact... (3 pages)View decision -
Decision Reference DRN8730139
11 Feb 2015 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs F complain that National Westminster Bank Plc is pursuing Mr F for debt which is the subject of a County Court Judgement (CCJ).our initial conclusionsThe adjudicator did not recommend that this complaint be upheld. He concluded the CCJ was against Mrs F and the bank was... (2 pages)View decision -
Decision Reference DRN0177177
3 Nov 2017 Capquest Debt Recovery Limited Not upheldBanking and creditMrs W complains that Capquest Debt Recovery Limited pursued her for payment of a debt which wasn’t hers. She says its actions affected her ability to obtain a mortgage. The complaint is brought on her behalf by her husband, Mr W.background The background to this compl... (4 pages)View decision -
Decision Reference DRN7550828
21 Oct 2016 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr M’s complaint is about the sale of a payment protection insurance (PPI) policy and the way Capital One (Europe) plc (Capital One) has used the compensation it offered to put things right.backgroundMr M was sold PPI with his credit card in 2004. Mr M later enter... (2 pages)View decision -
Decision Reference DRN5627773
14 Feb 2014 Welcome Financial Services Limited UpheldBanking and creditMr G complains that Welcome Financial Services Limited is pursuing him for a debt that he considers to be statute barred.backgroundMr G bought a car in 2004, financed by a hire purchase agreement with Welcome Financial Services. Mr G says the car needed many different repairs which Welco... (3 pages)View decision -
Decision Reference DRN4824845
30 Mar 2015 1st Credit Limited UpheldBanking and creditMr C has complained that 1st Credit Limited continued to ask him for payment of a debt when he believes this was not enforceable.backgroundIn June 2014 1st Credit contacted Mr C asking him to repay £14,818.08. This was a debt they’d bought from the original credit card... (2 pages)View decision -
Decision Reference DRN5035847
5 Aug 2014 Lloyd Anderson Financial Management Limited UpheldBanking and creditMr A complains that Lloyd Anderson Financial Management Limited has not distributed his payments towards a debt management plan between his creditors. He was unable to contact Lloyd Anderson for an update and the token payments it did make to his creditors were late.backgroundMr A en... (2 pages)View decision -
Decision Reference DRN6771151
26 Apr 2018 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr M complained that a payment protection insurance (PPI) policy sold to him by Capital One (Europe) Plc (Capital One) alongside his credit card had been mis-sold.backgroundMr M complained to Capital One that the PPI he had on his credit card was mis-sold. After he ha... (2 pages)View decision -
Decision Reference DRN0635624
9 Jul 2019 National Westminster Bank Plc UpheldBanking and creditMr and Mrs M complain they settled their accounts with National Westminster Bank Plc but it’s now told them the settlement only applied to Mr M.BackgroundOn 15 May 2019 I issued a provisional decision saying that subject to any further comments or evidence from Mr and Mrs M or NatWest, I i... (3 pages)View decision
