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 70661 results
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Decision Reference DRN-2348515
25 May 2021 Erudio Student Loans Limited Not upheldConsumer CreditDRN-2348515 The complaint Ms K says Erudio Student Loans Limited has treated her unfairly in the way it is pursuing her in relation to debts. What happened Erudio says Ms K has four student loans which Erudio has managed since March 2014, three under one account number (ending 3714) and on... (3 pages)View decision -
Decision Reference DRN6422904
16 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMrs S 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 requests for information.backgroundMrs S ... (2 pages)View decision -
Decision Reference DRN8614774
23 Oct 2018 Link Financial Outsourcing Limited UpheldBanking and creditMrs W complains that Link Financial Outsourcing Limited (Link Financial) is ng her to make payments towards her outstanding debt which she cannot afford.backgroundMrs W entered into a hire purchase agreement (HPA) in 2007 to acquire a car. She then entered financial d... (2 pages)View decision -
Decision Reference DRN0708829
19 Jan 2017 Express Gifts Ltd Not upheldBanking and creditMr M complains that Express Gifts Ltd: wrongly accused him of deliberately increasing his debt to Express Gifts knowing that he was about to take out a trust deed limiting the amount he would have to repay his creditors; and won’t include all his debt to Express... (3 pages)View decision -
Decision Reference DRN-3072648
29 Sep 2021 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3072648 The complaint Mr B complains that after his account with Bank of Scotland plc (“BoS”) was closed and the debt sold, payments made to the account were forwarded on to the debt collection business that BoS sold the debt to. Mr B says the money should’ve been returned to the sende... (3 pages)View decision -
Decision Reference DRN3122298
3 Apr 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs M complain that Legal & General Partnership Services Limited mis-sold them a mortgage. In particular, they complain that the advice to re-mortgage when they would incur an early repayment charge (ERC) on their existing mortgage and to consolidate their uns... (2 pages)View decision -
Decision Reference DRN-4703627
27 Jun 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-4703627 The complaint Ms K complains Nationwide Building Society is asking her to pay a joint debt in full. What happened Ms K was the victim of domestic abuse. Ms K’s ex-partner left the home, but Ms K continued to get letters from Nationwide, addressed to her and her ex-partner askin... (3 pages)View decision -
Decision Reference DRN-4307465
21 Aug 2023 Santander UK Plc UpheldBanking and PaymentsDRN-4307465 The complaint Mr C has complained about Santander UK Plc’s decision to close down his basic bank account. What happened I have previously issued a provisional decision regarding this complaint. The following represents excerpts from my provisional decision, outlining the backgr... (5 pages)View decision -
Decision Reference DRN1284078
8 Aug 2014 Barclays Bank Plc Not upheldBanking and creditMs F complains that Barclays Bank Plc did not treat her fairly when she was in financial difficulties. She says it should have written off her debt. Ms F asks for compensation and that the repayments she has made are refunded.backgroundMs F had financial difficulties from late 2005. She ... (2 pages)View decision -
Decision Reference DRN-2752207
26 May 2021 Debt Managers (Services) Limited UpheldConsumer CreditDRN-2752207 The complaint Miss J complains that Debt Managers (Services) Limited didn’t make it clear to her how she was supposed to make a payment, then registered a missed payment on her credit file. What happened This complaint is about a catalogue account that was sold to Debt Managers... (2 pages)View decision
