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 70772 results
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Decision Reference DRN2268029
7 Nov 2017 PRA Group (UK) Limited Not upheldBanking and creditMr H complains that PRA Group (UK) Limited hasn’t given him any evidence it bought his credit card debt or details of how much it paid for the debt.backgroundMr H had a credit card debt. He says PRA says it now owns the debt, but will not provide him with the... (2 pages)View decision -
Decision Reference DRN0693382
12 Apr 2016 Lloyds Bank PLC Not upheldBanking and creditMr S complains that Lloyds Bank plc sold him an unaffordable loan.backgroundMr S says that he was invited to the Lloyds branch in December 2010 for a financial health check, during which he gave details of his income, expenditure and existing debts. Following that mee... (3 pages)View decision -
Decision Reference DRN3827903
3 Mar 2016 The Co-operative Bank Plc Not upheldBanking and creditMr A complains that The Co-operative Bank Plc (“Co-op”) sold his debt, and won’t buy it back. backgroundMr A held a credit card account with Co-op, on which he defaulted. A five-year repayment plan was then agreed, subject to periodic review, at the end of which Co-o... (2 pages)View decision -
Decision Reference DRN9792572
1 Mar 2016 Bank of Scotland Plc Not upheldBanking and creditMiss A complains Bank of Scotland plc trading as Halifax (Halifax) won’t let her pay money into a closed account with an outstanding overdraft. She’s unhappy her payments were either put into a new account or lost. She’s also tried to change her name from Mrs B to M... (3 pages)View decision -
Decision Reference DRN8590752
21 Sep 2016 Butler-Do Ltd Not upheldBanking and creditMs S complains that Butler-Do Ltd (which used to be known as Kensington Financial Management Consultants Ltd, and which I’ll call KFMC):-didn’t fully assess her circumstances before advising her to go into a debt management plan; and-didn’t tell her about the charges... (2 pages)View decision -
Decision Reference DRN6681926
1 Sep 2017 Citifinancial Europe Limited Not upheldBanking and creditMr H complains that CitiFinancial Europe Plc told him his credit card account had been written off when it had actually been sold to a debt purchaser.background Mr H had a credit card account with CitiFinancial. Mr H says he contacted CitiFinancial in early 2011 to pay ... (2 pages)View decision -
Decision Reference DRN5193181
20 Dec 2016 Debt Advisory Line Limited Not upheldBanking and creditMr and Mrs L complain that Debt Advisory Line Limited (DAL) sold them a debt management plan which was not suitable for them. They also complain that they were not told they could receive free debt advice elsewhere.Mr and Mrs L bring their complaint through their repre... (2 pages)View decision -
Decision Reference DRN2176199
2 Dec 2014 Lloyds Bank PLC Not upheldBanking and creditMrs W complains about overdrafts and loans provided by Lloyds Bank PLC and the way it has gone about recovering money owed. backgroundMrs W and her husband were involved in a business which started to get into difficulties in 2005. They had a number of joint accounts and accounts in ... (2 pages)View decision -
Decision Reference DRN6682683
10 Oct 2014 Lowell Portfolio I Ltd Not upheldBanking and creditMrs A complains that Lowell Portfolio I Ltd is chasing her for a debt that does not belong to her. She is also unhappy about how she has been treated since she asked for evidence of the debt. our initial conclusionsThe adjudicator recommended that the complaint should be upheld ... (2 pages)View decision -
Decision Reference DRN-5129409
6 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5129409 The complaint Miss H complains that NewDay Ltd (NewDay) lent to her irresponsibly. What happened Over a period, Miss H had two credit cards issued by NewDay and the limits were increased as shown: Aqua card: Limit increase No. Date Limit December 2017 – new card £900 1 May ... (5 pages)View decision
