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 DRN7685528
16 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs S complain, via a claims management company, that an authorised representative of Legal & General Partnership Services Limited (L&G) advised them to consolidate unsecured debt onto a mortgage, which they say was not in their best interests.backgroundMr an... (3 pages)View decision -
Decision Reference DRN-3189724
31 Jan 2022 Experian Limited Not upheldConsumer CreditDRN-3189724 The complaint Mr K has complained about Experian Limited suggesting his address to debt collectors when they were tracing someone. What happened Both parties are most familiar with what happened, so I will summarise things in brief. This complaint revolves around a utility bill... (2 pages)View decision -
Decision Reference DRN7382973
4 Sep 2015 MKDP LLP Not upheldBanking and creditMr G complains that MKDP LLP (MKDP) is unfairly trying to recover a debt from him. He says it hasn’t provided information he asked for about a debt it is trying to recover. He wants MKDP to stop what he thinks is its illegal activities, remove the debt from his cr... (4 pages)View decision -
Decision Reference DRN3002680
6 Jan 2017 The Co-operative Bank Plc Not upheldBanking and creditMiss G complains that The Co-operative Bank Plc treated her unfairly when it passed account to a debt collection company.backgroundMiss G had an outstanding overdraft balance with The Co-op. Due to her personal circumstances, The Co-op agreed to suspend payments for si... (2 pages)View decision -
Decision Reference DRN1421226
6 Oct 2015 Microcredit Limited UpheldBanking and creditMr M complains about the way Microcredit Limited (trading as MiniCredit.co.uk) treated him when he was in financial difficulty.backgroundAbout a month after taking out a payday loan with Microcredit Mr M told it he was in financial difficulty. He’s unhappy with its res... (2 pages)View decision -
Decision Reference DRN-3027679
4 Oct 2021 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3027679 The complaint Mr B is unhappy that Lloyds Bank PLC sent him a letter advising that his account is considered as being in a state of persistent debt. What happened Mr B received a letter from Lloyds which stated that his account was considered as being in a state of persistent d... (2 pages)View decision -
Decision Reference DRN1444509
12 Mar 2015 Bank of Scotland Plc Not upheldBanking and creditMr M complains that Bank of Scotland plc, trading as Halifax, wrongly charged interest on his credit card account when he was in a payment plan, defaulted the account as a result of that interest being charged, and used a debt collection agency to purse him aggressively for repayment of ... (2 pages)View decision -
Decision Reference DRN8478262
31 May 2018 Barclays Bank Plc UpheldBanking and creditMiss A complains about a loan she had with Barclays Bank Plc. She’s been unwell and just wants to sort out the outstanding balance.background Miss A took out a loan with Barclays in 2005. She became ill a few years later and fell into arrears. The debt was transferre... (2 pages)View decision -
Decision Reference DRN3420236
23 Apr 2013 HSBC Bank plc Not upheldBanking and creditMr G complains about the way HSBC Bank Plc has treated him in relation to the debt on his business account, following his being unable to work due to serious illness. In particular, Mr G says that HSBC failed to keep to repayment agreements made with him by the branch staff.background M... (2 pages)View decision -
Decision Reference DRN-5334395
10 Mar 2025 Barclays Bank UK PLC UpheldConsumer CreditDRN-5334395 The complaint Mr W complains that Barclays Bank UK PLC defaulted his account and passed it to a debt collection agency. What happened Mr W holds a loan account with Barclays. The loan fell into arrears in December 2022. Barclays issued a Default Notice on 3 April 2023 which ... (2 pages)View decision
