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 DRN5548630
7 Aug 2014 Link Financial Limited Not upheldBanking and creditMr E complains that Link Financial Limited has harassed him over an outstanding debt. It has also given him contradicting advice over whether the debt is to be written off. backgroundMr E had a bank account with a financial provider. The account had an outstanding balance. It was default... (2 pages)View decision -
Decision Reference DRN3348686
31 Mar 2015 National Westminster Bank Plc Not upheldBanking and creditMs R complains that National Westminster Bank Plc mis-sold a loan to her and subsequently mismanaged her account. She wants compensation.backgroundOur adjudicator did not recommend that this complaint be upheld. As the loan was taken out by Ms R partially to repay existi... (4 pages)View decision -
Decision Reference DRN0487623
17 Mar 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs B complain that The Royal Bank of Scotland Plc (“RBS”) cannot provide them with a copy of the loan they entered with it in 2005. They say the debt is therefore not enforceable and would like it written off.backgroundMr and Mrs B say they held a loan wi... (2 pages)View decision -
Decision Reference DRN1938912
15 Nov 2016 Moneyplus Group Limited Not upheldBanking and creditMr M complains that a debt management plan was mis-sold to him by Moneyplus Group Limited. He is being helped with his complaint by a representative.backgroundMr M entered into a debt management plan with Moneyplus in April 2015. A complaint was made to Moneyplus in ... (2 pages)View decision -
Decision Reference DRN-3214100
15 Dec 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3214100 The complaint Mr B complained about Barclays Bank UK PLC. He’d been a victim of identity theft, with a fraudulent Barclays account set up in his name, and a debt incurred on it. Barclays said it had closed the fraudulent account, but around 18 months later, Mr B was contacted a... (4 pages)View decision -
Decision Reference DRN-4619746
26 Nov 2024 Bank of Scotland Plc Not upheldConsumer CreditDRN-4619746 The complaint Mr M is unhappy with Bank of Scotland plc, trading as Halifax’s (Halifax) handling of his overdraft debt. Mr M says Halifax used the wrong date for reporting the default to the Credit Reference Agencies (CRAs) and has expressed concerns about the sale of the de... (4 pages)View decision -
Decision Reference DRN6005000
20 Feb 2019 United Trust Bank Limited UpheldBanking and creditMs P is unhappy that United Trust Bank Limited is holding her responsible for a debt of £50,000 secured on her property which she says she didn’t take out. backgroundIn October 2016 a £50,000 loan secured against Ms P’s property was taken out online, via a broker, ... (4 pages)View decision -
Decision Reference DRN-3678794
9 Sep 2022 Creation Financial Services Limited UpheldConsumer CreditDRN-3678794 The complaint Mr M complains about the information about his credit card account that Creation Financial Services Limited has recorded on his credit file. What happened I issued a provisional decision on this complaint in August 2022 in which I described what had happened as fo... (3 pages)View decision -
Decision Reference DRN9335101
6 Aug 2013 Apex Credit Management Limited UpheldBanking and creditMs B complains about Apex Credit Management Limited pursuing her for a debt that she says was repaid in 2009.backgroundThe adjudicator recommended the complaint be upheld. She felt that Ms B was justified in disputing the debt and she did not think it was fair or reasonable for Apex t... (2 pages)View decision -
Decision Reference DRN-5388368
13 Mar 2025 ACI-UK LIMITED Not upheldConsumer CreditDRN-5388368 The complaint Mr A complains that ACI-UK LIMITED (ACI) are chasing him for a debt they’ve been unable to evidence legal ownership of. He also complains that ACI registered a default on his credit file in 2022, for a debt that allegedly defaulted in 2018. What happened I issu... (5 pages)View decision
