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 69943 results
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Decision Reference DRN7942536
13 Oct 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr W complains that Harrington Brooks (Accountants) Limited, trading as Harrington BrooksDebt Management, (“HB”), didn’t provide him with satisfactory advice when he took out adebt management plan (“DMP”) with it. The complaint is brought to this service on Mr W’sbehal... (2 pages)View decision -
Decision Reference DRN0952720
11 Apr 2016 MBNA Limited UpheldBanking and creditMiss B complains about the way MBNA Limited (MBNA) dealt with her credit card account when she was in financial difficulties. In particular she complains that MBNA registered a default on her credit file when she was still making payments and they were aware of her... (7 pages)View decision -
Decision Reference DRN-4447626
23 Nov 2023 BPO Collections Limited Not upheldConsumer CreditDRN-4447626 The complaint Mr M complains BPO Collections Limited have harassed him about a statute barred debt. He also says they’ve breached the General Data Protection Regulations (GDPR). What happened My understanding is Mr M purchased a laptop on a credit agreement through a company wh... (2 pages)View decision -
Decision Reference DRN3554230
29 Apr 2019 HSBC UK Bank Plc Not upheldBanking and creditMrs D complains about the amount of interest charged on her credit card issued by HSBC UK Bank Plc (“HSBC”). She says they should show forbearance and waive or reduce the debt as she’s paid more in interest than she’s borrowed.backgroundMrs D has a credit card with H... (3 pages)View decision -
Decision Reference DRN9438111
15 Oct 2020 National Westminster Bank Plc Not upheldBanking and creditMr A complains that National Westminster Bank Plc did not allow him sufficient opportunity to reach a repayment arrangement for his borrowing before it appointed a debt collector. background Mr A had personal accounts with NatWest with an overdraft. He also had business borrowing which is ... (3 pages)View decision -
Decision Reference DRN6576827
15 Aug 2014 Experto Credite Limited Not upheldBanking and creditMr and Mrs H complain that Experto Credite Limited (“Experto”) incorrectly recorded defaults on their credit files. They ask for compensation to be paid for their time and effort in resolving the problem. They also want Experto to make a payment to them which is equal to the amount pai... (3 pages)View decision -
Decision Reference DRN9089462
30 Jan 2019 Lloyds Bank PLC Not upheldBanking and creditMs M complained that Lloyds Bank PLC had:-acted unfairly when her property went through the ‘‘Mortgage Rescue’’ scheme; and- wrongly passed her details to a third party debt collection agency.Ms M wants her debt written off.backgroundMs M and her ex-husband had a mortg... (3 pages)View decision -
Decision Reference DRN-3755089
20 Oct 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3755089 The complaint Via a professional representative, Mr and Mrs C complain that Everyday Lending Limited, trading as Everyday Loans, lent to them irresponsibly and without carrying out proper affordability checks. They would like all the fees and charges associated with the loan re... (3 pages)View decision -
Decision Reference DRN4462192
15 Nov 2013 Barclays Bank Plc Not upheldBanking and creditMr W complains that Barclays Bank Plc (trading as “Barclaycard”) has said he owes money on two credit cards. These debts have been sold to a third party debt collection agency, who is contacting Mr W for repayment. Mr W accepts that he does hold two credit card accounts with Barclayc... (2 pages)View decision -
Decision Reference DRN2521324
1 Mar 2017 TSB Bank plc Not upheldBanking and creditMr L complains about a default applied to his credit file as a result of an overdrawn balance on his TSB Bank plc (“TSB”) account.backgroundMr L made an online transaction with his TSB debit card that caused his account to go overdrawn by £15. So TSB applied un... (2 pages)View decision
