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 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 DRN-3465666
6 May 2022 Barclays Bank UK PLC Not upheldConsumer CreditDRN-3465666 The complaint Mr K complains that Barclays Bank UK PLC made an irresponsible lending decision when it provided him with a loan. And it’s failed to treat him fairly when he’s later found himself in financial difficulties. What happened Mr K took out a personal loan with Barclays... (4 pages)View decision -
Decision Reference DRN-4106004
22 Jun 2023 QDR Solicitors Limited Not upheldConsumer CreditDRN-4106004 The complaint Mr N complains about the contact from QDR Solicitors Limited regarding debts it’s attempting to collect. What happened Mr N has explained that two payday loans were fraudulently opened in his name in 2016 and 2017. A business I’ll call L went on to purchase the ac... (3 pages)View decision -
Decision Reference DRN1987787
30 Aug 2019 Paragon Finance Plc Not upheldBanking and creditMr P complains that Paragon Finance PLC are unfairly pursuing him for payment of a debt they bought. backgroundMr P took out a credit card account with a bank in 2004. In early 2013, the bank formally notified him they’d sold the debt accumulated on that account. The bank have confirmed t... (3 pages)View decision -
Decision Reference DRN-2636583
11 Jun 2021 Intrum UK Limited Not upheldBanking and PaymentsDRN-2636583 The complaint Ms B complains about the actions of Intrum UK Limited (Intrum) regarding a debt it says she owes. What happened The debt Ms B complains about originated from a current account overdraft facility provided to her by a bank. The original account was closed in Septemb... (3 pages)View decision -
Decision Reference DRN7565501
13 Oct 2017 HFC Bank Limited Not upheldPayment protection insurance (PPI)Mrs A is unhappy with how HFC Bank Limited (‘HFC’) has resolved her complaint about a payment protection insurance policy (‘PPI’) attached to a loan.HFC Bank Limited sold the policy. But HSBC Bank plc has answered Mrs A’s complaint. For sake of ease I’ll refer to ‘HF... (8 pages)View decision -
Decision Reference DRN8200931
13 Feb 2020 National Westminster Bank Plc Not upheldBanking and creditMrs G is unhappy with how National Westminster Bank Plc handled matters when she was trying to repay a debt with it, delays she encountered in receiving confirmation that the debt had been repaid and how it handled a refund it promised her.backgroundI set out the background to this complai... (7 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 DRN2981485
25 Oct 2013 Bank of Scotland Plc Not upheldBanking and creditMr R complains that in providing him, and continuing to provide him, with a preference card (a revolving credit facility), Bank of Scotland Plc was irresponsible. He says the bank must have known he could not afford the repayments, or the interest, and so is in part responsible for h... (2 pages)View decision -
Decision Reference DRN3790238
14 Dec 2016 Debitum Limited UpheldBanking and creditMr and Mrs M complain that Debitum Limited told them that they would be debt free after five years in a debt management plan, (“DMP”) with it. But, after completing the DMP, they were unhappy to discover that they still owed substantial sums to their creditors.backgr... (2 pages)View decision
