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 77331 results
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Decision Reference DRN8505160
17 Jun 2014 MBNA Limited Not upheldBanking and creditMr G had a credit card account with MBNA Limited. He complains it sold this account to a company which didn’t have a consumer credit licence. He doesn’t know who he should now be paying.backgroundMr G went into default on his credit card account with MBNA. It sold the account. MBNA i... (2 pages)View decision -
Decision Reference DRN5791836
25 Apr 2018 BW Legal Services Limited Not upheldBanking and creditMs S has complained that BW Legal Services Limited (“BW Legal”) entered information incorrectly onto her credit file, as well as carrying out an unnecessary soft trace. She has also complained about the service provided. At the time BW legal were acting as debt collec... (3 pages)View decision -
Decision Reference DRN-5810565
15 Sep 2025 Nationwide Building Society UpheldConsumer CreditDRN-5810565 The complaint Mr B complains that Nationwide Building Society sent him a demand for payment after accepting an unsecured loan debt in his name is statute barred. What happened The background to this complaint and my initial conclusions were set out in a provisional decision... (3 pages)View decision -
Decision Reference DRN-4819247
24 Oct 2024 Tandem Home Loans Ltd Not upheldMortgagesDRN-4819247 The complaint Miss B complains about a secured loan provided to her by Tandem Home Loans Ltd trading as Oplo. She says it was irresponsible of Oplo to provide this loan to her as she was vulnerable, and it wasn’t affordable. What happened Miss B applied for a secured loan wi... (3 pages)View decision -
Decision Reference DRN8256716
27 Sep 2016 Arrow Global Limited Not upheldBanking and creditMs C complains that Arrow Global Limited (“AGL”) had unreasonably delayed in pursuing a debt and applied a charging order to her property without her knowledge on a debt which she believed was unenforceable.backgroundMs C had a credit card debt with a credit card pro... (3 pages)View decision -
Decision Reference DRN7288099
11 Jun 2019 National Westminster Bank Plc Not upheldBanking and creditMr H has complained that after National Westminster Bank Plc (Natwest) upheld an earlier complaint he had made about mis-selling him a packaged bank account, it decreased the amount of compensation it paid him to reduce a debt it said he owed from several years earlier... (3 pages)View decision -
Decision Reference DRN4369065
26 Nov 2019 Barclays Bank UK PLC Not upheldBanking and creditMiss G complains that Barclays Bank UK PLC is now pursuing her for a debt which it previously agreed to write off. backgroundMiss G had an account with an overdraft with Barclays. After falling into financial difficulties the account was closed in 2018 with an outstanding balance of aroun... (2 pages)View decision -
Decision Reference DRN-4784460
10 Sep 2024 Barclays Bank UK PLC UpheldConsumer CreditDRN-4784460 The complaint Mr M complains about being chased by a debt collection agency (DCA) about a debt with Barclays Bank UK PLC (Barclays). What happened Mr M has a current account with Barclays. In May 2023 and June 2023, he got letters from a debt collection agency (DCA) concerni... (2 pages)View decision -
Decision Reference DRN8963139
28 Jun 2016 Santander UK Plc Not upheldPayment protection insurance (PPI)Mr B’s complaint is about the sale of a payment protection insurance (PPI) policy and the compensation Santander UK Plc (Santander) has offered to put things right.background Mr B complained that Santander mis-sold him a PPI policy on his flexi-loan account.In May 201... (2 pages)View decision -
Decision Reference DRN-2806292
2 Dec 2021 Barclays Bank Plc Not upheldConsumer CreditDRN-2806292 The complaint Mr T complains that Barclays Bank Plc sold his Barclaycard debt to a company, P, which he believes is profiting from the transaction. What happened Mr T had a Barclaycard but was struggling to make payments in line with the agreed terms. In August 2016, when Mr T ... (2 pages)View decision