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
-
Decision Reference DRN0250761
25 Jun 2015 Capital One (Europe) plc UpheldBanking and creditMr R complains about the way that Capital One (Europe) plc has managed his defaulted account. backgroundMr R’s account defaulted in December 2009. His debt was passed on to different collection agencies before being returned to Capital One and sold on again. In January 2... (2 pages)View decision -
Decision Reference DRN-4860977
1 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4860977 The complaint Mr S complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. He wants all interest and charges applied to his accounts refunded along with compensatory interest and any adverse information removed from his credit file. Mr S is represe... (4 pages)View decision -
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 DRN3395475
22 May 2014 Lloyds Bank PLC UpheldBanking and creditMr and Mrs R complain that Lloyds Bank PLC is seeking repayment of a debt of nearly £5,000 which they say they don’t owe. They would like the bank to acknowledge that they have cleared all their debts to it.backgroundIn 2012 Lloyds considered a complaint brought by Mr and Mrs R and agree... (2 pages)View decision -
Decision Reference DRN-2662297
8 Mar 2021 The Royal Bank of Scotland Plc UpheldConsumer CreditDRN-2662297 The complaint Mr B complained that his loan was transferred to a debt collection agency by The Royal Bank of Scotland Plc (RBS). What happened RBS wrote to Mr and Mrs B in June 2019 to say they didn’t want to provide banking facilities to them. There were several current accoun... (2 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-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 DRN5627773
14 Feb 2014 Welcome Financial Services Limited UpheldBanking and creditMr G complains that Welcome Financial Services Limited is pursuing him for a debt that he considers to be statute barred.backgroundMr G bought a car in 2004, financed by a hire purchase agreement with Welcome Financial Services. Mr G says the car needed many different repairs which Welco... (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 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
