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
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Decision Reference DRN3704881
12 Feb 2019 Lloyds Bank PLC Not upheldBanking and creditMr H is unhappy that Lloyds Bank PLC sold his credit card debt to another business without prior warning. He thinks this is a breach of contract as he’d reached an agreement with Lloyds on how the debt was to be repaid He also believes Lloyds breached data protection... (3 pages)View decision -
Decision Reference DRN4836929
2 Aug 2013 Microcredit Limited UpheldBanking and creditMr R complains that Microcredit Limited did not respond positively or sympathetically to his financial difficulties when he was unable to repay a short-term loan.backgroundMr R took out a loan with Microcredit in October 2011. The terms of the loan meant he needed to repay the loan, plus ... (2 pages)View decision -
Decision Reference DRN0883399
6 Jul 2016 DEBT CORRECT Not upheldBanking and creditMrs V has complained that Debt Correct gave her unsuitable and incomplete advice when she entered into a debt management plan.Mrs V is represented in her complaint. But for clarity, I’ll refer to all submissions as having been made by her directly.backgroundIn 2012, M... (2 pages)View decision -
Decision Reference DRN-3457165
24 Oct 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3457165 The complaint Ms B complains about the actions of National Westminster Bank Plc regarding the settlement of business debts and reviews of the bank’s lending. Ms B brings the complaint behalf of herself and the estate of her late partner, Mr A. What happened Ms B and Mr A were b... (3 pages)View decision -
Decision Reference DRN9577779
14 Feb 2018 Lowell Portfolio I Ltd UpheldBanking and creditMr R has complained Lowell Portfolio I Ltd is asking him to pay for three debts which he says aren’t his.backgroundIn July 2017 Lowell wrote to Mr R at his current address asking him to pay three debts they’d bought from their original owners. Mr R said these ... (2 pages)View decision -
Decision Reference DRN1206871
31 Jan 2020 Santander UK Plc UpheldBanking and creditComplaintMr D complains that Santander UK Plc has chased him to pay back an overdraft debt it previously told him he didn’t need to repay. BackgroundThe background to this complaint and my initial findings are set out in my provisional decision dated 24 January 2020 – a copy of which is at... (3 pages)View decision -
Decision Reference DRN5592917
17 Apr 2013 MBNA Limited UpheldBanking and creditMrs G complained about MBNA Limited (“MBNA”) not refunding a payment to her credit card account – which had been transferred to MBNA from another credit card provider - following a claim she made under section 75 of the Consumer Credit Act 1974 (“section 75”) for services she did not re... (2 pages)View decision -
Decision Reference DRN4171897
21 Nov 2013 BCW Group Limited Not upheldBanking and creditMrs D complains that BCW Group Limited is pursuing her for a debt that she has already settled.backgroundMrs D borrowed £400 in October 2007. Mrs D says that she moved house soon after and that, despite contacting the lender several times between 2007 and 2010, heard nothing more from i... (2 pages)View decision -
Decision Reference DRN-4873972
30 Oct 2024 Oakbrook Finance Limited Not upheldConsumer CreditDRN-4873972 The complaint Miss B complains that Oakbrook Finance Limited, trading as Likely Loans, sold her debt and has reported incorrect markers on her credit file. What happened Miss B took a loan out with Oakbrook in February 2021. She contacted Oakbrook in April 2023 because her c... (3 pages)View decision -
Decision Reference DRN3731965
20 Jun 2016 Santander UK Plc Not upheldBanking and creditMiss T complains that Santander UK Plc wants her to pay money that she doesn’t owe. She wants Santander to refund the payments her father made without her knowledge or permission.backgroundMiss T opened an account with Santander (previously Alliance & Leicester). In ... (3 pages)View decision
