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-2557316
10 Mar 2021 HSBC UK Bank Plc Not upheldMortgagesDRN-2557316 The complaint Mr and Mrs M are unhappy that HSBC UK Bank Plc trading as first direct wouldn’t lend them the money they wanted as a further advance on their mortgage for debt consolidation. What happened The details of this complaint are well known to both parties, so I will not... (2 pages)View decision -
Decision Reference DRN3588689
30 Nov 2015 David Alan Williams UpheldBanking and creditMiss L complains about the way David Alan Williams trading as Debts Maze Solutions (“DMS”) managed her debt management plan.backgroundMiss L entered into a debt management plan with DMS in March 2009. As part of that agreement, Miss L agreed to pay DMS a monthly amou... (3 pages)View decision -
Decision Reference DRN2855650
14 Dec 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr B complains that a debt management plan was mis-sold to him by Harrington Brooks (Accountants) Limited. He also complains about the way that the plan has been administered. He is being helped with his complaint by a representative. backgroundMr B entered into a debt ... (2 pages)View decision -
Decision Reference DRN5810878
4 Oct 2019 HSBC UK Bank Plc UpheldBanking and creditComplaintMr L complains, in summary, that HSBC UK Bank Plc is asking him to pay back more than he considers he should pay towards the debt showing on his current account – which was part of a debt management plan.Background Mr L has been in a debt management plan since 2011, with monthly p... (2 pages)View decision -
Decision Reference DRN1356458
19 Dec 2019 PRA Group (UK) Limited UpheldBanking and creditMr C complains that PRA Group (UK) Limited (trading as PRA Group) are pursuing him for a debt that is unenforceable. background PRA Group purchased a debt that was owed by Mr C from the original creditor in October 2016. At the time the debt was purchased, he was making payments of £152.20... (3 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 DRN4822689
2 May 2018 Home Retail Group Card Services Limited Not upheldBanking and creditMr W complains that Home Retail Group Card Services Limited offset a refund of fees due to him against an outstanding balance he believed had been settled by an earlier full and final settlement agreement.backgroundMr W held a store card issued by Home Retail Group. He fe... (2 pages)View decision -
Decision Reference DRN0987390
29 Dec 2015 HCC International Insurance Company Plc Not upheldInsurance (excluding PPI)S, a company complains that HCC International Insurance Company Plc won’t pay the full amount of the debt, subject to policy limits, owing to it from an insolvent company under its Constructor whole turnover Credit policy.backgroundIn March 2015 S made a claim to HCC fo... (2 pages)View decision -
Decision Reference DRN3879823
27 Aug 2019 PRA Group (UK) Limited Not upheldBanking and creditMr H complains PRA Group (UK) Limited has continued asking him for repayment on a credit card debt despite it being unenforceable. Mr H also disputes the amount PRA says he owes, and says it has used aggressive tactics to try to get him to pay.backgroundPRA contacted Mr H in October 2016 ... (2 pages)View decision -
Decision Reference DRN-2481581
6 Jan 2021 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-2481581 The complaint Mr T says Clydesdale Financial Services Limited, trading as Barclays Partner Finance (“BPF”), offered to clear his debt with them but are now pursuing him for that debt. He’d like them to write it off because he says his health has deteriorated and he has no way o... (3 pages)View decision
