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 47842 results
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Decision Reference DRN4025124
23 Aug 2013 Barclays Bank Plc Not upheldBanking and creditMr A complains that Barclays Bank Plc, (trading as Barclaycard), accepted a sum in full and final settlement of the amount he owed on his credit card, but then later asked him to repay the outstanding balance. Mr A is also unhappy that the debt has been passed to different debt collectors... (2 pages)View decision -
Decision Reference DRN7511224
30 Jan 2020 Barclays Bank UK PLC Not upheldBanking and creditMr and Mrs M complain that Barclays Bank UK PLC didn’t treat them fairly when it knew they were in financial difficulties.backgroundMr and Mrs M took out a repayment mortgage and mortgage current account (MCA) with Barclays in 2004. The MCA terms allowed Mr and Mrs M an overdraft facility ... (2 pages)View decision -
Decision Reference DRN-3435584
19 Jul 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3435584 The complaint Miss S complains that AvantCredit of UK, LLC have sold her debt and adverse information has been added to her credit file. What happened Miss S had a complaint against Avant for unaffordable lending upheld. Miss S agreed a repayment plan for the capital amount of ... (3 pages)View decision -
Decision Reference DRN-1374184
7 Apr 2020 PRA Group (UK) Limited Not upheldConsumer CreditDRN-1374184The complaintMrs W complains that PRA Group (UK) Limited purchased a debt from her credit card provider, who I’ll call ‘A’ when she hadn’t given her permission for the debt to be sold. She said that she neither saw nor signed the terms and conditions A relied on to sell the debt... (3 pages)View decision -
Decision Reference DRN-4785247
5 Jun 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4785247 The complaint Miss M complains that Zopa Bank Limited lent irresponsibly when it approved a loan for £12,000. What happened In February 2022 Miss M applied for a £12,000 loan with Zopa. Zopa says the application was made for debt consolidation purposes. In her application, Miss... (3 pages)View decision -
Decision Reference DRN-5186894
10 Feb 2025 Bank of Scotland Plc Not upheldMortgagesDRN-5186894 The complaint Mr and Mrs M complain that Bank of Scotland plc continue to pursue them for a mortgage debt after Mr M’s bankruptcy. What happened Mr and Mrs M have had a joint mortgage with Bank of Scotland (BoS) for some time. In 2012, Mr M was declared bankrupt. He was late... (3 pages)View decision -
Decision Reference DRN5035634
12 Feb 2019 The Royal Bank of Scotland Plc Not upheldBanking and creditMr M complains that The Royal Bank of Scotland plc (RBS) put a charge on his property. He doesn’t believe it should have done so as he was in the process of setting up a trust deed at the time. Mr M would like the charge taken off his property.backgroundMr M says i... (3 pages)View decision -
Decision Reference DRN1600569
16 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMrs J complains that she was given poor advice by an authorised representative of Legal & General Partnership Services Limited (L&G) when she re-mortgaged her house in 2005. Mrs J, who is represented by a claims management company (CMC), says this advice means s... (3 pages)View decision -
Decision Reference DRN5025936
30 Nov 2016 Butler-Do Ltd Not upheldBanking and creditMr J complains that a debt management plan was mis-sold to him by Butler-Do Limited, trading as Kensington Financial Management. He also complains about the way that the plan has been administered. He is being helped with his complaint by a representative.backgroundMr J a... (2 pages)View decision -
Decision Reference DRN5505654
29 Sep 2016 Kapama Limited UpheldBanking and creditMr B is unhappy that Kapama Limited (Kapama) is pursuing him for a debt which relates to a loan he thinks was irresponsibly lent. background Mr B took out a payday loan. He didn’t repay the loan and the debt was purchased by Kapama who instructed a debt collector to... (2 pages)View decision
