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 70661 results
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Decision Reference DRN6194037
11 Jul 2016 NRAM plc Not upheldBanking and creditMrs W complains that NRAM plc has refused to give her anything to show that it has contacted her ex-partner about contributing towards the debt he holds in joint names with her.Mrs W says that for the last 7 years she had been paying their mortgage on my own and ... (2 pages)View decision -
Decision Reference DRN-2797446
9 Jun 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2797446 The complaint Mr P is unhappy that Barclays Bank UK PLC, trading as Barclaycard, advised that they’d be suspending his credit account. What happened Mr P had held his Barclays credit account since 2002, but in November 2020 he received a letter from Barclays advising that they’... (3 pages)View decision -
Decision Reference DRN8782320
1 Oct 2015 MKDP LLP Not upheldBanking and creditMr R complains MKDP LLP continues to harass him about a debt it bought despite Mr R telling it the debt was unenforceable.backgroundMr R, through a third party, told MKDP that the debt it had bought from a bank I’ll call F was unenforceable. The third party said the de... (1 page)View decision -
Decision Reference DRN1781231
2 Jul 2018 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr C isn’t happy with how Capital One (Europe) plc (‘Capital One’) has resolved his complaint about a payment protection insurance (‘PPI’) policy attached to a credit card. backgroundMr C had a PPI policy attached to a credit card that was sold in 2000.Mr C entered... (3 pages)View decision -
Decision Reference DRN3389669
17 Dec 2013 Lloyds Bank PLC Not upheldBanking and creditMr J complains about the way that Lloyds Bank plc (previously Lloyds TSB Bank plc) has dealt with him in connection with the enforcement of a personal guarantee. backgroundMr J, jointly with another director, gave a director’s personal guarantee to Lloyds in support of the bank’s lend... (2 pages)View decision -
Decision Reference DRN-4588170
27 Mar 2024 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-4588170 The complaint Mr T complains that Lantern Debt Recovery Services Ltd (Lantern) haven’t investigated his complaint about irresponsible lending of a loan and harassment to repay it, from the original lender. What happened Mr T held a loan with a lender, which I’ll refer to as Com... (3 pages)View decision -
Decision Reference DRN5528012
20 Jun 2014 CitiFinancial Europe Plc Not upheldBanking and creditMr and Mrs D complain that CitiFinancial Europe plc (“Citi”) did not tell them the total amount payable under their loan. They also complain that they were not responsibly advised.backgroundMr and Mrs D took secured loans from Citi to consolidate existing unsecured debt. They are unh... (1 page)View decision -
Decision Reference DRN-1483837
24 Sep 2020 Max Recovery Limited Not upheldConsumer CreditDRN-1483837The complaintMr C and Mrs G dispute a debt with Max Recovery Limited (“MRL”) and feels it has treated her unfairly. What happenedMRL says it bought this debt (relating to a credit agreement) from a bank in November 2014 and that it is for Mrs G to repay as it is now in her sole ... (3 pages)View decision -
Decision Reference DRN7228180
9 Jan 2017 NewDay Ltd UpheldBanking and creditMr F complains that NewDay Ltd incorrectly registered a default on his credit file. backgroundSome years ago Mr F fell into financial difficulties and entered into a number of payment plans with lenders including NewDay. In 2013 it defaulted his account and later sol... (2 pages)View decision -
Decision Reference DRN4001310
1 Feb 2018 Lloyds Bank PLC Not upheldBanking and creditMr W complains about the way Lloyds Bank PLC (Lloyds) has dealt with his current account. backgroundMr W complains about three key areas. These are set out below. To put things right, Mr W wants an apology and compensation from Lloyds.current account debt Mr W says Lloyds told him in 2014 ... (3 pages)View decision
