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 69710 results
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Decision Reference DRN-2854577
23 Jul 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2854577 The complaint Mr P’s complained that Barclays Bank UK PLC (“Barclays”) cancelled his credit card due to him being in persistent debt – even though he was making payments towards the balance. What happened Mr P had a Barclays credit card for a number of years. He said he’d alwa... (2 pages)View decision -
Decision Reference DRN-1456123
27 May 2020 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-1456123The complaintMr L complains that Bank of Scotland plc (Halifax) referred his credit card account to a debt collection agency whilst he had an ongoing complaint on a separate issue. He would like Halifax to remit his debt and to instruct the debt collection agency to stop chasing... (2 pages)View decision -
Decision Reference DRN1137521
9 Aug 2018 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs M complain through their Claims Management Company that the appointed representative of Legal & General Partnership Services Limited gave them unsuitable advice to consolidate their debts into a new mortgage in 2005. They would like to be returned to th... (3 pages)View decision -
Decision Reference DRN4472726
20 Sep 2013 HSBC Bank plc Not upheldBanking and creditMrs F complains that HSBC Bank plc continued to accept payments through a debt management plan for many years after it had written off the debt. Mrs F wants this money – about £8,000 – returned to her. Mrs F is represented by her husband. backgroundMrs F took out a loan with the ban... (2 pages)View decision -
Decision Reference DRN-4066415
3 Oct 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4066415 The complaint Mr S complains that Barclays Bank UK PLC trading as Barclaycard has reported a default on a debt that is deemed unenforceable. What happened Both parties are aware of the circumstances of the complaint, so I won’t repeat them in detail here. In summary, Mr S and B... (4 pages)View decision -
Decision Reference DRN-3182919
18 Jan 2022 Debt Managers (Services) Limited UpheldConsumer CreditDRN-3182919 The complaint Mr M has complained that Debt Managers (Services) Limited have been reporting incorrect information on his credit file. What happened This complaint is about a consumer credit agreement which defaulted in 2016 and was acquired by Debt Managers in 2017. In March 20... (2 pages)View decision -
Decision Reference DRN0913403
7 Nov 2013 Microcredit Limited UpheldBanking and creditMrs A complains that Microcredit Limited, trading as MiniCredit.co.uk, did not deal with her fairly when she was unable to repay a payday loan.backgroundMrs A took a payday loan in July 2012 of £450 and rolled this over in October 2012 with £589.50 to be paid. She contacted Microcredit ... (2 pages)View decision -
Decision Reference DRN3466756
21 Nov 2014 Debt Connect (U.K.) Limited UpheldBanking and creditMiss B has complained that Debt Connect (U.K.) Limited did not correctly manage a debt management plan she had entered into with it.backgroundMiss B entered into a debt management plan with Debt Connect. Under the plan, she made a monthly payment, from which Debt Connect was to deduct... (2 pages)View decision -
Decision Reference DRN7471506
16 Dec 2015 CitiFinancial Europe Plc Not upheldBanking and creditMr J complains that CitiFinancial Europe Plc did not contact him about his debt for nearly six years, and then sold the debt without telling him.background In 2000 Mr J borrowed over £3,500 from CitiFinancial. He was supposed to pay back £135 a month, but he soon ... (2 pages)View decision -
Decision Reference DRN2650559
30 Nov 2015 MBNA Limited Not upheldBanking and creditMr M complains that MBNA Limited sold a debt to a third party agency without informing him of the debt or that it would be selling it.backgroundIn 2013, Mr M informed all his creditors that he was in financial difficulties. Mr M says that he contacted MBNA and a... (2 pages)View decision
