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 DRN-2432109
28 Dec 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2432109 The complaint Mr R complains that National Westminster Bank Plc, trading as NatWest, closed his bank accounts and added a default to his credit file. And he’d like this removed. What happened Mr R had a current account, some savings accounts and a Credit card with NatWest. Betw... (3 pages)View decision -
Decision Reference DRN-3095683
1 Nov 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3095683 The complaint Mr B complained that Bank of Scotland plc (“BoS”) had decided to make a refund from an old credit card account that was closed many years ago. But instead of paying the money to him, BoS paid it to the company that had bought this debt from BoS. What happened Mr B... (3 pages)View decision -
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 DRN9830847
7 Nov 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMrs K complains that Harrington Brooks (Accountants) Limited, trading as Harrington Brooks Debt Management, (“HB”), didn’t provide her with satisfactory advice when she took out adebt management plan (“DMP”) with it. The complaint is brought to this service on Mrs K’s... (2 pages)View decision -
Decision Reference DRN-4344208
17 Jan 2024 Capquest Debt Recovery Limited UpheldConsumer CreditDRN-4344208 The complaint Mr L complains Capquest Debt Recovery Limited told him they’d acquired a County Court Judgment (CCJ) for his debt when they didn’t. And he says Capquest have used this information to get him to repay the debt which he doesn’t think is fair. Capquest have used agen... (3 pages)View decision -
Decision Reference DRN-2550286
4 Mar 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2550286 The complaint D Ltd, represented by Mrs P, initially complained that Barclays Bank UK plc forced it to convert a business overdraft at 10.5% into a business loan at 20%. Mrs P later changed this, saying that the complaint was that Barclays didn’t provide assistance during finan... (4 pages)View decision -
Decision Reference DRN3654105
7 Jul 2016 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr M’s complaint is about the sale of a payment protection insurance (PPI) policy and the way The Royal Bank of Scotland Plc (RBS) has used the compensation it offered to put this right.backgroundMr M was sold a PPI policy with his credit card (ending 4219) in 2001... (3 pages)View decision -
Decision Reference DRN8695937
16 Sep 2014 Vanquis Bank Limited UpheldBanking and creditMr F complained because he was being pursued by a debt collection agency for a credit card debt to Vanquis Bank Limited. Mr F said he had paid £800 to a doorstep collector as a deal to end his debts, and therefore no money was due. He wants the account to be closed so he is no lon... (2 pages)View decision -
Decision Reference DRN5956602
8 Aug 2014 Lloyds Bank PLC Not upheldBanking and creditMr A complains that Lloyds Bank PLC didn’t update his credit file to show that he had completed in full the payments he needed to make under an individual voluntary arrangement (IVA). He would like Lloyds to compensate him for its failure to do so.our initial conclusionsThe adjudic... (2 pages)View decision -
Decision Reference DRN2890680
26 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs M complain that Legal & General Partnership Services Limited mis-sold a mortgage to them. Mr and Mrs M are represented by a solicitor, which I will call A.background In 2006 L&G recommended a mortgage to Mr and Mrs M. It also recommended they con... (4 pages)View decision