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 74313 results
-
Decision Reference DRN-3905295
18 Jan 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3905295 The complaint Mrs H complains that HSBC UK Bank Plc passed her data to a third-party debt collector unlawfully, without her consent. She also complains that HSBC did not handle her complaint correctly. What happened Mrs H had a credit card with HSBC. In 2014, HSBC said the acco... (7 pages)View decision -
Decision Reference DRN4874967
3 Aug 2016 Lowell Financial Ltd Not upheldBanking and creditMrs A complains that Lowell Financial Ltd wrongly sent a letter to her husband’s email address about a debt she had.backgroundMrs A had debts (which I shall call P and Q) with two different companies. Lowell wrote to Mrs A in 2014 to say it had purchased debt P,... (2 pages)View decision -
Decision Reference DRN5352290
18 Mar 2014 National Westminster Bank Plc Not upheldBanking and creditMiss H and Miss J complain that National Westminster Bank Plc (NatWest) is pursuing them about a secured loan which it says was arranged about 30 years ago in their late parents’ names, but which it is unable to explain or prove. Miss H and Miss J said the lending was irresponsible in ... (2 pages)View decision -
Decision Reference DRN0464078
20 May 2014 Lloyds Bank PLC Not upheldBanking and creditMr C complains that Lloyds Bank plc sent him a letter in August 2013 to tell him he owed it money. This was not correct as Mr C had been the victim of identity fraud, which Lloyds had known about for some time. Mr C was unhappy to receive the bank’s letter as it had previously assure... (2 pages)View decision -
Decision Reference DRN9637614
14 Feb 2017 The Royal Bank of Scotland Plc Not upheldBanking and creditMs S complains that The Royal Bank of Scotland Plc has unfairly refused her application for a further advance. She would like RBS to apologise and accept her application so that she can clear her outstanding debts and lower her monthly payment.backgroundIn 2007 Ms S’... (2 pages)View decision -
Decision Reference DRN0335573
14 Jan 2014 Creation Financial Services Limited UpheldBanking and creditMrs K complains that Creation Financial Services Limited has added interest to her debt after a period of not applying interest. She says that this means that she will probably never be able to repay the debt in full and is making her financial problems worse. Mrs K, who is represented ... (2 pages)View decision -
Decision Reference DRN-3139556
16 Dec 2021 MBNA Limited Not upheldBanking and PaymentsDRN-3139556 The complaint Mr P complains MBNA Limited (MBNA) failed to notify him of missed payments on his credit card account and have registered a default on his credit file. What happened Mr P says he was contacted by a debt collection agency, informing him they had taken over his cred... (4 pages)View decision -
Decision Reference DRN-5489947
22 Apr 2025 Plend Limited UpheldConsumer CreditDRN-5489947 The complaint Mr C complains that Plend Limited was irresponsible in its lending to him. What happened Mr C was provided with a £10,000 loan by Plend in November 2023. The loan term was 60 months and Mr C was required to make monthly repayments of around £247. Mr C said that... (5 pages)View decision -
Decision Reference DRN4422186
20 May 2014 Cabot Financial (UK) Limited UpheldBanking and creditMr J complains that Cabot Financial (Europe) Limited wrongly pursued him for payment of incorrect debt amounts.background Mr J had two credit card debts which were assigned to Cabot in 2009. Mr J had been told by his original credit card provider in 2007 that his two debts had been froz... (2 pages)View decision -
Decision Reference DRN6870205
2 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMr and Mrs G complain about a debt reduction agreement that they took out with NEO Media Solutions Limited, trading as One Debt Solutions. They complain that it did not pay money to their creditors as it had agreed to do.backgroundMr and Mrs G entered into a debt reduction agreement wi... (2 pages)View decision
