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 69825 results
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Decision Reference DRN5627773
14 Feb 2014 Welcome Financial Services Limited UpheldBanking and creditMr G complains that Welcome Financial Services Limited is pursuing him for a debt that he considers to be statute barred.backgroundMr G bought a car in 2004, financed by a hire purchase agreement with Welcome Financial Services. Mr G says the car needed many different repairs which Welco... (3 pages)View decision -
Decision Reference DRN4309469
25 Aug 2015 Haydon Associates Debt Management Consultants Ltd UpheldBanking and creditMs W complains that Haydon Associates Debt Management Consultants Ltd t/a Resolve (“Resolve”) gave her poor advice, causing her debts to increase rather than decrease.backgroundIn 2013 Ms W entered into a debt management plan (“the plan”) with Resolve. She did this follo... (2 pages)View decision -
Decision Reference DRN6045038
27 Mar 2014 National Westminster Bank Plc Not upheldBanking and creditMiss M complains about the way National Westminster Bank Plc (“NatWest”) managed her accounts and that it registered defaults on her credit file.backgroundMiss M had a joint account with her partner. After their separation, Miss M told the bank about this. The account was overdrawn at ... (2 pages)View decision -
Decision Reference DRN7634642
12 Sep 2013 MBNA Limited UpheldBanking and creditMr R is represented by his father. Mr R complains that MBNA Limited have not produced evidence of the amount of money he owes, and after being advised that he was suffering from financial difficulties and mental health issues, continued to write to him rather than his representative, and ... (3 pages)View decision -
Decision Reference DRN4824845
30 Mar 2015 1st Credit Limited UpheldBanking and creditMr C has complained that 1st Credit Limited continued to ask him for payment of a debt when he believes this was not enforceable.backgroundIn June 2014 1st Credit contacted Mr C asking him to repay £14,818.08. This was a debt they’d bought from the original credit card... (2 pages)View decision -
Decision Reference DRN5331269
30 Sep 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMrs A complains that Lloyds TSB Bank plc has used a payment protection insurance (PPI) settlement to clear a debt that, she says, had been settled in 2008. She wants the bank to pay her the full amount of the settlement – about £7,000 more than she has received to date. The bank has of... (3 pages)View decision -
Decision Reference DRN6606005
7 Apr 2015 Lloyds Bank PLC Not upheldBanking and creditMr N complains that his debt with Lloyds Bank plc should be written off as the company to which he owes money is Lloyds TSB and it no longer exists.backgroundMr N has both a current account and a credit card with Lloyds TSB. He says he was not told when the bank ... (1 page)View decision -
Decision Reference DRN7627589
29 Mar 2018 Barclays Bank Plc UpheldBanking and creditMrs C complains that Barclays Bank Plc is acting unfairly and unreasonably by recording a shortfall debt as a default in her credit records following her bankruptcy and demanding repayment. She wants it to amend her credit records, stop asking her for money and compen... (3 pages)View decision -
Decision Reference DRN-3690725
9 Sep 2022 Provident Personal Credit Limited UpheldConsumer CreditDRN-3690725 The complaint Ms M complains that Provident Personal Credit Limited (Provident) mis-managed her account after she told it she was having financial difficulties as well as providing details of her health problems. What happened In October 2020, Ms M told Provident about her heal... (6 pages)View decision -
Decision Reference DRN5072176
22 Jan 2015 Cabot Financial (Europe) Limited Not upheldBanking and creditMr D complains about a debt which Cabot Financial (Europe) Limited is asking him to repay. backgroundIn summary, Mr D says that he does not acknowledge the debt, and that Cabot has not provided sufficient evidence to show that it is his debt or that it is entitled to seek repayment fro... (3 pages)View decision
