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-3425593
23 May 2022 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-3425593 The complaint Mr F has complained that Cabot Credit Management Group Limited are pursuing him for a debt which he feels they haven’t sufficiently proven he owes them. What happened This complaint is about a credit card account that was opened in 2016, defaulted in 2020, and was... (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 DRN3654105
7 Jul 2016 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr M’s complaint is about the sale of a payment protection insurance (PPI) policy and the way The Royal Bank of Scotland Plc (RBS) has used the compensation it offered to put this right.backgroundMr M was sold a PPI policy with his credit card (ending 4219) in 2001... (3 pages)View decision -
Decision Reference DRN6365457
30 Aug 2013 MBNA Limited UpheldBanking and creditMs W complains that MBNA Limited has failed to treat her positively and sympathetically since we helped resolve a complaint between them in 2009.backgroundIn 2008 Ms W brought a complaint to this service about the money she owed on her MBNA credit card. In July 2009 an ombudsman consid... (2 pages)View decision -
Decision Reference DRN8136026
7 Mar 2017 Kapama Limited UpheldBanking and creditMrs M complains about excessive charges that were added to her loan account before it was sold to Kapama Limited.backgroundIn 2013 Mrs M borrowed £100 from a third party. She failed to repay the loan, and the outstanding balance is now £1,816, which is mostly made u... (2 pages)View decision -
Decision Reference DRN9830847
7 Nov 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMrs K complains that Harrington Brooks (Accountants) Limited, trading as Harrington Brooks Debt Management, (“HB”), didn’t provide her with satisfactory advice when she took out adebt management plan (“DMP”) with it. The complaint is brought to this service on Mrs K’s... (2 pages)View decision -
Decision Reference DRN6070982
8 Jan 2020 HSBC UK Bank Plc Not upheldBanking and creditComplaintMrs C complains HSBC UK Bank Plc held her liable for a debt she says she’s not responsible for. She says she’s the victim of a sophisticated fraud, so HSBC should remove any negative information recorded in relation to the debt from her credit file.BackgroundMrs C opened two accou... (4 pages)View decision -
Decision Reference DRN2957116
28 Feb 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr L complains that Carrington Carr Home Finance Ltd (formerly AWD Home Finance Ltd) – a mortgage broker and appointed representative of Legal & General Partnership Service Limited – mis-sold a mortgage to him.backgroundIn 2007 the broker gave Mr L mortgage advice. It recommended that... (4 pages)View decision -
Decision Reference DRN-2411556
18 Jan 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2411556 The complaint Mr S is unhappy that Vanquis Bank Limited (Vanquis) didn’t tell him about a remaining debt on his credit card account which it reported to credit reference agencies. What happened Several years ago, Mr S entered into a debt management plan through an external orga... (2 pages)View decision -
Decision Reference DRN2301101
29 Mar 2019 Lowell Financial Ltd Not upheldBanking and creditMr A complains about a debt Lowell Financial Ltd is asking him to repay.backgroundMr A had an overdrawn account with a bank I’ll call B. In 2013, Lowell bought this debt from B and wrote to Mr A to explain that this is what had happened and asking him to pay the ... (2 pages)View decision
