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 DRN1715071
3 Feb 2020 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)ComplaintMr T is complaining that National Westminster Bank Plc (“NatWest”) has used the compensation it offered for the mis-selling of a payment protection insurance (“PPI”) policy attached to his credit card, to reduce his outstanding debt.BackgroundIn 2018, Mr T complained to NatWest ab... (3 pages)View decision -
Decision Reference DRN4328076
17 Oct 2014 HSBC Bank plc Not upheldBanking and creditMrs B complains that HSBC Bank Plc sold two debts to another company. She says she had repaid those debts, so the bank shouldn’t have sold them on. The defaults should have been marked as satisfied. backgroundHSBC held a second legal charge over Mrs B’s property. It had taken this cha... (2 pages)View decision -
Decision Reference DRN7433191
15 Oct 2018 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)Mr B is unhappy with the way National Westminster Bank Plc has used the compensation it offered for a mis-sold payment protection insurance (PPI) policy associated with his credit card.backgroundMr B complained to NatWest that the PPI that had been associated with his ... (2 pages)View decision -
Decision Reference DRN-5298658
26 Feb 2025 Lowell Portfolio I Ltd UpheldConsumer CreditDRN-5298658 The complaint Mr H is unhappy Lowell Portfolio I Ltd (“Lowell”) have been contacting him about a debt he says he knows nothing about. What happened Mr H says Lowell first contacted him about an outstanding debt of over £1,500, originally with a bank I’ll refer to as B, in S... (3 pages)View decision -
Decision Reference DRN9892382
16 Mar 2016 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr and Mrs M are unhappy with the way The Royal Bank of Scotland Plc (“RBS”) has used the compensation it agreed to pay them after they complained they’d been mis-sold payment protection insurance (“PPI”).backgroundI issued my provisional decision on this complaint in Fe... (4 pages)View decision -
Decision Reference DRN6658105
24 Apr 2015 Lloyds Bank PLC Not upheldBanking and creditMr L complains that Lloyds Bank plc did not cancel his company's direct debit when it requested this. As a result his liability under his personal guarantee is higher than it should be.backgroundMr L, the director and guarantor of his former limited company, sa... (2 pages)View decision -
Decision Reference DRN9363089
30 Jan 2015 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr J’s complaint is about how The Royal Bank of Scotland Plc (RBS) used the compensation it offered to settle his complaint about a payment protection insurance (PPI) policy taken out with a credit card. Mr J wants RBS to pay all the compensation directly to him.backgroundMr J complaine... (4 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 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 DRN-3504542
22 Jun 2022 Santander UK Plc UpheldMortgagesDRN-3504542 The complaint Miss K complains that Santander UK Plc continued to report her mortgage account to the credit reference agencies after she was no longer liable for the debt following her bankruptcy. What happened Miss K took out a joint mortgage with Santander in 2006. She was de... (4 pages)View decision
