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
-
Decision Reference DRN2919637
16 Oct 2014 WDFC UK Limited UpheldBanking and creditMiss D complains about a loan from WDFC UK Limited trading as Wonga.com (“Wonga”). Miss D says she repaid Wonga but was then pursued for the same debt by a debt collection company more than two years later, and paid it a second time. Miss D wants a refund and compensation from Wonga... (3 pages)View decision -
Decision Reference DRN2221235
27 Oct 2017 Santander UK Plc Not upheldBanking and creditMr K complains that he’s been pursued for a debt, wrongly, in respect of debit balances that exist on several current and credit card accounts that were opened in June 2008 with Santander UK Plc.He doesn’t want to be held liable for the repayment of those debts. ba... (2 pages)View decision -
Decision Reference DRN-1077729
4 Mar 2020 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-1077729 The complaintMr S is unhappy that The Royal Bank of Scotland Plc (RBS) sold his debt to a collections company even though it told him it wouldn’t. What happenedMr S had two accounts with RBS which were in debt and it was monitoring the repayments he agreed to make. Mr S complai... (2 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 DRN5721653
13 Aug 2014 National Westminster Bank Plc Not upheldBanking and creditMrs E complains that National Westminster Bank Plc (NatWest) has provided confusing and misleading information about a consolidation loan and it is not willing to help her now she is experiencing difficulties in repaying it.backgroundMrs E had a number of accounts in her personal nam... (3 pages)View decision -
Decision Reference DRN9650226
5 Jan 2015 Bank of Scotland Plc Not upheldBanking and creditMr F complains Bank of Scotland plc should write off a debt as it is now unenforceable because it is statute barred.backgroundMr F took out a loan with a business for which Bank of Scotland is responsible. He says he was then involved in an accident as a result of which he was no long... (1 page)View decision -
Decision Reference DRN-3214100
15 Dec 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3214100 The complaint Mr B complained about Barclays Bank UK PLC. He’d been a victim of identity theft, with a fraudulent Barclays account set up in his name, and a debt incurred on it. Barclays said it had closed the fraudulent account, but around 18 months later, Mr B was contacted a... (4 pages)View decision -
Decision Reference DRN-4619746
26 Nov 2024 Bank of Scotland Plc Not upheldConsumer CreditDRN-4619746 The complaint Mr M is unhappy with Bank of Scotland plc, trading as Halifax’s (Halifax) handling of his overdraft debt. Mr M says Halifax used the wrong date for reporting the default to the Credit Reference Agencies (CRAs) and has expressed concerns about the sale of the de... (4 pages)View decision -
Decision Reference DRN5242118
19 Feb 2019 Lloyds Bank PLC Not upheldBanking and creditMr M brings this complaint as Administrator of the estate of his late wife, Mrs M, who died (without leaving a will) in 2007. I understand that Mr M is the sole beneficiary of the estate. At the time of her death Mrs M had a mortgage with Lloyds Bank PLC (trading... (2 pages)View decision -
Decision Reference DRN-5388368
13 Mar 2025 ACI-UK LIMITED Not upheldConsumer CreditDRN-5388368 The complaint Mr A complains that ACI-UK LIMITED (ACI) are chasing him for a debt they’ve been unable to evidence legal ownership of. He also complains that ACI registered a default on his credit file in 2022, for a debt that allegedly defaulted in 2018. What happened I issu... (5 pages)View decision
