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 77095 results
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Decision Reference DRN-6078685
29 Jan 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6078685 The complaint Mr A complains that Barclays Bank UK PLC trading as Tesco Bank failed to respond to his write off request. What happened Mr A holds a credit card with Tesco Bank. In September 2022 Mr A contacted the bank and advised them about his ill health. Tesco Bank respon... (3 pages)View decision -
Decision Reference DRN-3467683
27 May 2022 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3467683 The complaint W is a limited company of which Mr C is a director. He brings the complaint on W’s behalf. The complaint is that National Westminster Bank Plc (NatWest) has debited the company account without the proper authority to do so. What happened A cheque for £8,336.62 was... (3 pages)View decision -
Decision Reference DRN-3364893
13 Apr 2022 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-3364893 The complaint Mr V has complained about Lowell Portfolio I Ltd purchasing a debt which he says isn’t his. What happened This complaint is about a consumer credit account that was opened in 2017, defaulted in 2019, and was sold to Lowell in 2021. After Lowell bought the account,... (2 pages)View decision -
Decision Reference DRN6773788
12 May 2014 Liverpool Victoria Friendly Society Limited UpheldPayment protection insurance (PPI)Mr A’s complaint is about the amount of compensation he should receive from Liverpool Victoria Friendly Society Limited (“Liverpool Victoria”). Mr A believes he should receive all of the redress payable directly to him.backgroundMr A took out single premium PPI alongside a personal loan... (2 pages)View decision -
Decision Reference DRN1236697
5 May 2017 Cabot Financial (Europe) Limited Not upheldBanking and creditMrs C complains that Cabot Financial (Europe) Limited (Cabot) incorrectly addressed letters to her. She isn’t happy that it offset compensation against an outstanding debt. She would like compensation, an apology and copies of letters she didn’t get sent to her.backgrou... (2 pages)View decision -
Decision Reference DRN0793029
28 Feb 2017 Cabot Financial (Europe) Limited Not upheldBanking and creditMr R complains that he is being harassed by Cabot Financial (Europe) Limited for repayment of a debt.backgroundMr R owed a debt to a bank and was making reduced repayments of £1 each month. The debt was assigned to Cabot in September 2012 and it contacted Mr R abou... (2 pages)View decision -
Decision Reference DRN-4844987
11 Jun 2024 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-4844987 The complaint and what happened Mr C complains that Creation Consumer Finance Ltd lent to him irresponsibly and without carrying out proper affordability checks. He would like all the fees and charges associated with the loan refunded, as well as compensation for the length of ... (2 pages)View decision -
Decision Reference DRN4528747
7 Jun 2013 Clydesdale Bank Plc Not upheldBanking and creditMr A complains that Clydesdale Bank PLC mis-sold him a loan he could not afford after increasing his overdraft without checking that he could repay it. He wants the bank to write off his debt without affecting his credit record.backgroundMr A had several debts with the bank, including ... (2 pages)View decision -
Decision Reference DRN1546838
11 Feb 2015 Debt Free Direct Limited UpheldBanking and creditMiss H complains that Debt Free Direct Limited (DFD) wrongly told her to enter into an Individual Voluntary Arrangement (IVA).backgroundMiss H was put in touch with DFD because she had been struggling with her debts. Following an initial call Miss H agreed to consider an IVA. After the... (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