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 DRN4059886
15 Mar 2016 Arrow Global Limited Not upheldBanking and creditMr C feels that Arrow Global Limited (Arrow) hasn’t treated him fairly over a debt.backgroundMr C has a debt which originated from another firm which Arrow took responsibility for. Arrow has at times outsourced the management of this debt to other parties. Mr C ha... (2 pages)View decision -
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 DRN6973000
27 Nov 2019 Advanced Payment Solutions Limited UpheldBanking and creditMr D is unhappy Advanced Payment Solutions Limited (APS) didn’t tell him when he settledhis debt that it had been sold to a debt collection agency.backgroundMr D had an account with APS from September 2016. The account charged a monthlysubscription of £5.95.In September 2017, APS arranged ... (4 pages)View decision -
Decision Reference DRN6845957
16 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMiss N 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 any money to her creditor and that it did not respond to her concerns satisfactorily.backgroundMiss N entered into a deb... (2 pages)View decision -
Decision Reference DRN4560384
30 Mar 2019 Santander Consumer (UK) Plc Not upheldBanking and creditMrs P complains that Santander Consumer (UK) Plc recorded inaccurate information on her credit file. Mrs P also complains that the default was registered later than it should’ve been. background The background to this complaint, and my initial conclusions, were set o... (4 pages)View decision -
Decision Reference DRN9758542
9 Feb 2016 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs S complain that an authorised representative of Legal & General Partnership Services Limited (“LGPS”) mis-sold an unsuitable mortgage in 2006.backgroundLGPS recommended a new mortgage to Mr and Mrs S in 2006. Mr and Mrs S had an existing eight year int... (3 pages)View decision -
Decision Reference DRN-4986085
12 Sep 2024 Santander UK Plc Not upheldConsumer CreditDRN-4986085 The complaint Mr B complains that Santander UK plc won’t write-off his debt. What happened Mr B took out a loan with a bank that is now part of Santander in 2004 to pay for a car. Due to his financial difficulties the loan went into arrears and a second charge was registered... (2 pages)View decision -
Decision Reference DRN9778728
5 Jun 2018 Bank of Scotland Plc UpheldBanking and creditMr and Mrs H complain that Bank of Scotland plc (trading as Halifax) has registered a default against Mrs H, without giving her a chance to pay off the debt.backgroundMr and Mrs H had a joint account with Halifax, which had a large overdraft. Mr H told us that he... (3 pages)View decision -
Decision Reference DRN7524246
3 Oct 2019 Kapama Limited UpheldBanking and creditMiss J complains that Kapama Limited have asked her to repay too much towards the loan she took out with a different lender.backgroundIn 2012, Miss J took out a pay day loan for £170 with a lender. The account fell into arrears and the lender applied charges to the account – the total bala... (4 pages)View decision -
Decision Reference DRN0366848
13 Mar 2017 Barclays Bank Plc UpheldBanking and creditMr H says Barclays Bank PLC, trading as Barclaycard, hasn’t dealt with his outstanding debts sympathetically or positively.backgroundMr H took out two credit cards with Egg Bank: the first was taken out in 2003, the second in 2004. In 2010 Mr H got into financial diffi... (3 pages)View decision