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 DRN4841144
18 Mar 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMr B complains that Lowell Portfolio I Limited (“LPL”) is unfairly asking him to pay a debt that he does not owe it. The complaint is brought on behalf of Mr B by an adviser, but for ease I shall refer below to all actions being taken by Mr B.backgroundMr B ha... (2 pages)View decision -
Decision Reference DRN1139857
18 Apr 2016 The Co-operative Bank Plc Not upheldPayment protection insurance (PPI)Mr W’s complaint is about the way The Co-operative Bank Plc (the Co-op) dealt with claim payments made under a payment protection insurance (PPI) policy he took out with a loan. backgroundIn March 2005 Mr W took out a loan with the Co-op for £15,000. At the sam... (3 pages)View decision -
Decision Reference DRN-4929000
9 Dec 2024 TenetLime Ltd Not upheldMortgagesDRN-4929000 The complaint The estate of Mr M complains that TenetLime Ltd gave unsuitable advice to Mr M to remortgage his property. What happened Mr M met with a broker authorised by TenetLime in November 2018. A residential mortgage questionnaire was completed which showed Mr M was re... (6 pages)View decision -
Decision Reference DRN-3081908
28 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3081908 The complaint Mr E complains that Vanquis Bank Limited irresponsibly increased the credit limit on his credit card account to unaffordable levels. What happened Mr E says he opened the Vanquis account in 2018 and accepts the initial lending decision was appropriate and not unaf... (2 pages)View decision -
Decision Reference DRN5099717
20 Aug 2014 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs K complain about how Lloyds Bank plc pursued them for payment, under their personal guarantees and a second charge over their home, of a company’s outstanding debts. They want compensation for the distress and inconvenience caused.backgroundMr and Mrs K were directors of a com... (2 pages)View decision -
Decision Reference DRN5024199
22 Jun 2016 HSBC Bank plc UpheldBanking and creditMrs B complains that HSBC Bank Plc is pursuing her for a debt which it last contacted her about in 1999. She says HSBC is time-barred from pursuing the debt and that its actions have caused her distress and inconvenience. She would like the bank to write off the de... (2 pages)View decision -
Decision Reference DRN-4447626
23 Nov 2023 BPO Collections Limited Not upheldConsumer CreditDRN-4447626 The complaint Mr M complains BPO Collections Limited have harassed him about a statute barred debt. He also says they’ve breached the General Data Protection Regulations (GDPR). What happened My understanding is Mr M purchased a laptop on a credit agreement through a company wh... (2 pages)View decision -
Decision Reference DRN5130855
12 Aug 2015 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Miss D has complained about the way The Royal Bank of Scotland Plc (“RBS”) has used the compensation it agreed to pay her after she complained about the mis-sale of payment protection insurance (“PPI”) policies.backgroundMiss D took out PPI alongside eleven loans that she ... (3 pages)View decision -
Decision Reference DRN6723227
23 Jun 2014 National Westminster Bank Plc UpheldPayment protection insurance (PPI)Mr J brought his complaint to this service as he was unhappy that National Westminster Bank Plc (“NatWest”) used part of the redress from two mis-sold PPI policies to offset an outstanding debt related to a current account he had with the bank. Mr J wants all the redress paid directly to ... (4 pages)View decision -
Decision Reference DRN9177325
14 Feb 2014 Lloyds Bank PLC Not upheldBanking and creditMr L complains that Lloyds Bank PLC pursued him for debts he did not owe and registered adverse information on his credit file about these debts. Mr L also complains that Lloyds did not cancel his direct debit as it should have done. He considers that as a result he incurred charges a... (2 pages)View decision
