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 71923 results
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Decision Reference DRN3363003
20 Apr 2021 Lowell Portfolio I Ltd UpheldBanking and creditMr K complaints that Lowell Portfolio I Ltd is recording a default on his credit file when he wasn’t aware of it. He’s unhappy that Lowell contacted him at an address he says he didn’t live at and wants Lowell to remove the default from his credit file. background Mr K took out a loan with... (5 pages)View decision -
Decision Reference DRN6201291
26 Jun 2017 MBNA Limited Not upheldBanking and creditMr K complains that MBNA Limited have been harassing and intimidating him over a debt. He doesn’t feel it has any right to pursue him because of his age. backgroundMr K says MBNA have inundated him with phone calls and letters. Although his account is in debt he un... (2 pages)View decision -
Decision Reference DRN4022638
11 Apr 2013 Lloyds TSB Bank Plc UpheldBanking and creditMr B and Mrs C’s complaint is in respect of a current account with Lloyds TSB Bank Plc (“Lloyds TSB”). The account was initially a sole account in Mr B’s name only before it was asked that Mrs C be added in July 2004. The bank declined this request due to Mrs C’s credit score. But she ... (3 pages)View decision -
Decision Reference DRN9637614
14 Feb 2017 The Royal Bank of Scotland Plc Not upheldBanking and creditMs S complains that The Royal Bank of Scotland Plc has unfairly refused her application for a further advance. She would like RBS to apologise and accept her application so that she can clear her outstanding debts and lower her monthly payment.backgroundIn 2007 Ms S’... (2 pages)View decision -
Decision Reference DRN6712460
7 Oct 2015 Sainsbury's Bank Plc Not upheldBanking and creditMr L complains that Sainsbury’s Bank Plc recorded adverse information on his credit file and refused to remove a default after he settled his credit card debt.backgroundMr L had a credit card with Sainsbury’s Bank. In 2011 he contacted Sainsbury’s to let it know he wa... (3 pages)View decision -
Decision Reference DRN1660870
30 Jun 2014 Microcredit Limited UpheldBanking and creditMiss G complains about the way Microcredit Limited (trading as MiniCredit.co.uk) has treated her when she experienced financial difficulties. backgroundMiss G took out a loan with Microcredit repayable within 42 days. She experienced financial difficulties during this time and opened a d... (3 pages)View decision -
Decision Reference DRN3348686
31 Mar 2015 National Westminster Bank Plc Not upheldBanking and creditMs R complains that National Westminster Bank Plc mis-sold a loan to her and subsequently mismanaged her account. She wants compensation.backgroundOur adjudicator did not recommend that this complaint be upheld. As the loan was taken out by Ms R partially to repay existi... (4 pages)View decision -
Decision Reference DRN4315441
1 Nov 2013 Cabot Financial (Europe) Limited Not upheldBanking and creditMr T complains that Cabot Financial (Europe) Limited (“Cabot”) is seeking repayment from him of an incorrect amountbackgroundMr T originally had a debt with another financial provider (“the original lender”) which was sold to Cabot in April 2011. Mr T was told about the debt sale in May... (2 pages)View decision -
Decision Reference DRN0531488
15 Jan 2019 Lloyds Bank PLC Not upheldBanking and creditMrs H complains that Lloyds Bank PLC paid a refund she was due on her credit card account to a debt purchaser instead of her. backgroundMrs H had a credit card account that defaulted in 2012. The debt on the account was sold to a debt purchaser in 2014. In December... (2 pages)View decision -
Decision Reference DRN3656014
23 Apr 2015 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr H has complained about the way Capital One (Europe) plc (“Capital One”) has used the compensation it agreed to pay him following a complaint about the sale of a payment protection insurance (“PPI”) policy.backgroundMr H took out a credit card with Capital One and took ... (2 pages)View decision
