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 70502 results
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Decision Reference DRN8370255
12 Dec 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMs B, who is represented by a claims management company (CMC) says Harrington Brooks (Accountants) Limited (Harrington Brooks) mis-sold her a debt management plan (DMP). backgroundMs B initially took out her DMP with a different company in 2009. The following year that ... (2 pages)View decision -
Decision Reference DRN0952720
11 Apr 2016 MBNA Limited UpheldBanking and creditMiss B complains about the way MBNA Limited (MBNA) dealt with her credit card account when she was in financial difficulties. In particular she complains that MBNA registered a default on her credit file when she was still making payments and they were aware of her... (7 pages)View decision -
Decision Reference DRN0366848
13 Mar 2017 Barclays Bank Plc UpheldBanking and creditMr H says Barclays Bank PLC, trading as Barclaycard, hasn’t dealt with his outstanding debts sympathetically or positively.backgroundMr H took out two credit cards with Egg Bank: the first was taken out in 2003, the second in 2004. In 2010 Mr H got into financial diffi... (3 pages)View decision -
Decision Reference DRN8114979
28 Sep 2016 Gregory Pennington Limited UpheldBanking and creditMiss D complains that Gregory Pennington Limited mis-sold her a debt management plan. She says she didn’t know about its set up fee or that she could get free advice elsewhere. Her creditors continued to take collections action, including recording defaults on her cred... (2 pages)View decision -
Decision Reference DRN7278172
14 Oct 2015 Bank of Scotland Plc UpheldBanking and creditMr M complains about the Bank of Scotland Plc trading as Halifax. He says that Halifax have incorrectly continued to record a default notice on his credit file.backgroundMr M held a current account with Halifax. In 2010, Halifax recorded a default notice on his cre... (2 pages)View decision -
Decision Reference DRN8123317
28 Nov 2013 Santander UK Plc Not upheldBanking and creditMr C complains that Santander UK plc has registered a default against his credit file. He says it did this following its own failure to transfer money from his current to his loan account, in line with the payment arrangement he had agreed with it. He also complains it wrongly told hi... (3 pages)View decision -
Decision Reference DRN9481154
27 Mar 2017 Vanquis Bank Limited Not upheldBanking and creditMr G complains that Vanquis Bank Limited sold on the debt of his credit card balance when it had previously agreed to cancel it. The amount he’s being asked to pay now is more than the original amount of the debt.backgroundMr G had a credit card with Vanquis. In ... (2 pages)View decision -
Decision Reference DRN9839936
29 Jan 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMrs G complains that if she had known the level of fees charged by Harrington Brooks (Accountants) Limited (the business) for her debt management plan (DMP) she would not have entered into it. She also complains that her account has been poorly managed causing ... (2 pages)View decision -
Decision Reference DRN5298169
22 Jan 2016 Coventry Building Society Not upheldBanking and creditMr and Mrs D complain that Coventry Building Society wouldn’t lend them more money. They also felt a member of Coventry’s staff was rude on the phone. They want Coventry to lend them the money.backgroundMr and Mrs D had a mortgage with Coventry and wanted to borrow... (2 pages)View decision -
Decision Reference DRN2409081
1 Aug 2019 BW Legal Services Limited Not upheldBanking and creditMr C is unhappy that bailiffs still visited his home after he’d contacted BW Legal Services Limited (“BW”) to arrange a settlement and prevent bailiff action.backgroundMr C had some debts, and in October 2014 BW was instructed to recover one of these debts. It seems BW tried to contact Mr ... (2 pages)View decision
