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 77331 results
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Decision Reference DRN1422905
5 Dec 2018 Clydesdale Financial Services Limited Not upheldBanking and creditMr S complains that despite Clydesdale Financial Services Limited, trading as Barclays Partner Finance (“BPF”) writing to him to say his debt had been written off and this being confirmed by the debt management company, he later received a letter to say he still had th... (2 pages)View decision -
Decision Reference DRN1503644
29 Sep 2016 Foundation for Credit Counselling Not upheldBanking and creditMr B complains that Foundation for Credit Counselling, trading as StepChange, mis-sold him a debt management plan. The complaint is brought on his behalf by a claims management company. It says a debt relief order would’ve been more suitable.backgroundMr B sought advice... (2 pages)View decision -
Decision Reference DRN2101587
21 Feb 2014 The Mortgage Matters Partnership Not upheldBanking and creditMr and Mrs G, represented by a Claims Management Company (CMC), complain they received unsuitable mortgage advice from The Mortgage Matters Partnership in 2005.backgroundMr and Mrs G had previously taken advice from Mortgage Matters in 2003. They were contacted by Mortgage Matters again i... (2 pages)View decision -
Decision Reference DRN9690321
31 May 2018 Barclays Bank Plc Not upheldBanking and creditMr N seeks to complain about the way Barclays Bank Plc has pursued him for a debt it says Mr N has owed it for some years and also how the interest and charges were applied to it.backgroundBarclays sent Mr N its final response letter about the interest and charges... (2 pages)View decision -
Decision Reference DRN5024199
22 Jun 2016 HSBC Bank plc UpheldBanking and creditMrs B complains that HSBC Bank Plc is pursuing her for a debt which it last contacted her about in 1999. She says HSBC is time-barred from pursuing the debt and that its actions have caused her distress and inconvenience. She would like the bank to write off the de... (2 pages)View decision -
Decision Reference DRN6980796
16 Oct 2018 House & Home Care Limited Not upheldBanking and creditMr I complains House & Home Care Limited (House & Home) (trading as Immediate Financial- but I refer to House & Home in my decision) mis-sold him a Debt Settlement Plan (DSP). Mr I says that the DSP was unsuitable and an Individual Voluntary Arrangement (I... (4 pages)View decision -
Decision Reference DRN-3678794
9 Sep 2022 Creation Financial Services Limited UpheldConsumer CreditDRN-3678794 The complaint Mr M complains about the information about his credit card account that Creation Financial Services Limited has recorded on his credit file. What happened I issued a provisional decision on this complaint in August 2022 in which I described what had happened as fo... (3 pages)View decision -
Decision Reference DRN0487623
17 Mar 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs B complain that The Royal Bank of Scotland Plc (“RBS”) cannot provide them with a copy of the loan they entered with it in 2005. They say the debt is therefore not enforceable and would like it written off.backgroundMr and Mrs B say they held a loan wi... (2 pages)View decision -
Decision Reference DRN-2797446
9 Jun 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2797446 The complaint Mr P is unhappy that Barclays Bank UK PLC, trading as Barclaycard, advised that they’d be suspending his credit account. What happened Mr P had held his Barclays credit account since 2002, but in November 2020 he received a letter from Barclays advising that they’... (3 pages)View decision -
Decision Reference DRN7648890
8 Dec 2015 Knightsbridge Insolvency Services Limited Not upheldBanking and creditMiss W complains that Knightsbridge Insolvency Services Limited wrongly advised her to enter into a protected trust.backgroundMiss W explains that Knightsbridge Insolvency Services Limited advised her to enter into a protected trust. She says that she explained that one o... (2 pages)View decision