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 DRN2409081
1 Aug 2019 BW Legal Services Limited Not upheldBanking and creditMr C is unhappy that bailiffs still visited his home after he’d contacted BW Legal Services Limited (“BW”) to arrange a settlement and prevent bailiff action.backgroundMr C had some debts, and in October 2014 BW was instructed to recover one of these debts. It seems BW tried to contact Mr ... (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 DRN9364229
29 Nov 2016 HSBC Bank plc UpheldPayment protection insurance (PPI)Mr A is complaining that HSBC Bank Plc (HSBC) mis-sold him a payment protection insurance (PPI) policy. He’s unhappy with the amount it’s offered him in compensation.background The background to this complaint is set out in my provisional decision of October 2016, which... (8 pages)View decision -
Decision Reference DRN7143138
21 Oct 2020 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs C complain through their complaints management company (“CMC”) that they got unsuitable advice from Legal & General Partnership Services Limited (“L&G”) including to pay an early repayment charge (“ERC”) when they remortgaged in 2008. background Mr and Mrs C remortgaged ... (4 pages)View decision -
Decision Reference DRN7288099
11 Jun 2019 National Westminster Bank Plc Not upheldBanking and creditMr H has complained that after National Westminster Bank Plc (Natwest) upheld an earlier complaint he had made about mis-selling him a packaged bank account, it decreased the amount of compensation it paid him to reduce a debt it said he owed from several years earlier... (3 pages)View decision -
Decision Reference DRN-1687560
3 Sep 2020 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-1687560The complaintMiss C has complained that Capquest Debt Recovery Limited chased her for a debt that she thought was statute barred. What happenedIn 2007, Miss C took out a debt. In 2010, the debt was defaulted. In 2012, it was sold on, and in 2016 it was passed to Capquest to mana... (2 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 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 DRN0672252
6 Jun 2017 Vanquis Bank Limited UpheldBanking and creditMiss C complains that Vanquis Bank Limited added a default to her credit file when she’d been told this wouldn’t happen if she kept in touch. She wants it removed.backgroundMiss C says that in May 2016 she contacted Vanquis to tell it she’d lost her employment. And t... (2 pages)View decision -
Decision Reference DRN6241646
2 Jan 2014 1st Credit (Finance) Limited Not upheldBanking and creditMr B complains that 1st Credit (Finance) Limited has asked him for repayment for a debt that he has not acknowledged and which he has heard nothing from the creditor for the past six years. He says 1st Credit has not shown that the debt is not statute barred under The Limitations Act 19... (2 pages)View decision
