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 69711 results
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Decision Reference DRN-3072648
29 Sep 2021 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3072648 The complaint Mr B complains that after his account with Bank of Scotland plc (“BoS”) was closed and the debt sold, payments made to the account were forwarded on to the debt collection business that BoS sold the debt to. Mr B says the money should’ve been returned to the sende... (3 pages)View decision -
Decision Reference DRN-5078701
22 Oct 2024 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-5078701 The complaint Mr C complains that Capquest Debt Recovery Limited passed his data to a third-party debt collector unlawfully, without his consent. Mr C wants Capquest to apologise and pay compensation. What happened In April 2024, Mr C received an email from a business I will... (3 pages)View decision -
Decision Reference DRN6201291
26 Jun 2017 MBNA Limited Not upheldBanking and creditMr K complains that MBNA Limited have been harassing and intimidating him over a debt. He doesn’t feel it has any right to pursue him because of his age. backgroundMr K says MBNA have inundated him with phone calls and letters. Although his account is in debt he un... (2 pages)View decision -
Decision Reference DRN-2573144
30 Jun 2021 TSB Bank plc Not upheldBanking and PaymentsDRN-2573144 The complaint Mr and Mrs T complain about how TSB Bank plc allocated funds following the sale of a secured property they both owned. What happened Mr and Mrs T sold a property in 2019. The sale proceeds were used by TSB to clear the mortgage on that property and to repay a debt... (3 pages)View decision -
Decision Reference DRN6712460
7 Oct 2015 Sainsbury's Bank Plc Not upheldBanking and creditMr L complains that Sainsbury’s Bank Plc recorded adverse information on his credit file and refused to remove a default after he settled his credit card debt.backgroundMr L had a credit card with Sainsbury’s Bank. In 2011 he contacted Sainsbury’s to let it know he wa... (3 pages)View decision -
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 DRN5802693
25 Feb 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs G complain that The Royal Bank of Scotland Plc (“RBS”) is pursuing them for a liability that they believed had been dealt with in their bankruptcy.background Mr and Mrs G became bankrupt in 2010 and were discharged from bankruptcy in 2011. In 2012, RBS made demand on Mr and... (3 pages)View decision -
Decision Reference DRN-2561889
5 May 2021 Experian Limited Not upheldConsumer CreditDRN-2561889 The complaint Mr B complains that Experian Limited is recording someone else’s information on his credit file. What happened Mr B has told us that he first contacted Experian about adverse information recorded on his credit file in 2015. The debt in question was recorded with t... (2 pages)View decision -
Decision Reference DRN4472659
4 Apr 2017 Bank of Scotland Plc Not upheldBanking and creditT, a limited company, complains that Bank of Scotland PLC (BOS) has overcharged interest and it won’t agree to refund the amount overpaid. The complaint is brought on T’s behalf by its director, Mr T.backgroundT’s borrowing was restructured in 2006, with part of the... (2 pages)View decision -
Decision Reference DRN7550828
21 Oct 2016 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr M’s complaint is about the sale of a payment protection insurance (PPI) policy and the way Capital One (Europe) plc (Capital One) has used the compensation it offered to put things right.backgroundMr M was sold PPI with his credit card in 2004. Mr M later enter... (2 pages)View decision
