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 DRN7686886
6 May 2015 Lloyds Bank PLC Not upheldBanking and creditMr L complains about Lloyds Bank PLC recording information on his credit file. He believes the debt with the bank is statute barred and because of this the debt should no longer be showing on his credit file. backgroundMr L took out a credit card with the bank. In 20... (2 pages)View decision -
Decision Reference DRN5990383
25 Aug 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr G complains that The Royal Bank of Scotland Plc took money from his savings account to pay off his credit card debt.backgroundMr G fell into arrears with his credit card payments. The bank passed the debt to a debt collector and says a letter was sent to Mr G... (2 pages)View decision -
Decision Reference DRN-4072145
23 Jun 2023 Progressive Money Limited UpheldConsumer CreditDRN-4072145 The complaint Mr K complains that Progressive Money Limited (“Progressive Money”) lent to him irresponsibly. What happened Mr K took out a fixed sum loan agreement with Progressive Money in April 2018. He borrowed £3,000 over 48 months, repaying £157 a month. The total cost of ... (4 pages)View decision -
Decision Reference DRN6749456
19 Aug 2015 Clear View Finance Limited UpheldBanking and creditMr W complains that the debt reduction and debt management plan he set up through Clear View Finance Limited was not reducing his debt as he was led to expect.background Mr W agreed the plan with Clear View in 2013. The agreement said the aim would be to assist Mr W ... (1 page)View decision -
Decision Reference DRN-2598745
22 Feb 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2598745 The complaint Mr H complains that NewDay Ltd (“NewDay”) won’t write off his credit card debt (“debt”). He also complains that NewDay won’t amend what it has reported in respect of this debt to credit reference agencies. What happened Mr H’s complaint was considered by one of ou... (2 pages)View decision -
Decision Reference DRN4903159
12 Jun 2020 Bank of Scotland Plc UpheldBanking and creditMr B complains that Bank of Scotland Plc (trading as Birmingham Midshires) isn’t following rules set by the regulator and that a debt it’s pursuing him for is unenforceable. Mr B’s partner (Ms B) has represented him in bringing this complaint. backgroundMr B had a mortgage with Birmingham ... (4 pages)View decision -
Decision Reference DRN-3272875
8 Aug 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3272875 The complaint Mr C complains about a decision by Barclays Bank UK PLC trading as Barclaycard (“Barclaycard”) to suspend his card for being in persistent debt. What happened Mr C has an account with Barclaycard that, before suspension, was maintained close its the credit limit. ... (3 pages)View decision -
Decision Reference DRN5026518
20 Feb 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs M complain about The Royal Bank of Scotland Plc (‘RBS’) closing their accounts and registering a default on their credit files.backgroundMr and Mrs M said RBS wrote to tell them their accounts and credit cards would be closed in 60 days. They weren’t sure... (2 pages)View decision -
Decision Reference DRN-2962851
6 Aug 2021 Madison CF UK Limited UpheldConsumer CreditDRN-2962851 The complaint Mrs M complains that Madison CF UK Ltd trading as 118 118 Money (118 118) provided lending to her which was unaffordable and irresponsible. She says that she was struggling to make the repayments. What happened Mrs M borrowed £2000 from 118118 money in May 2019. T... (3 pages)View decision -
Decision Reference DRN-3547140
5 Sep 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3547140 The complaint Mr A is unhappy that Bank of Scotland plc, trading as Halifax, charged interest to his credit account during a time when he was making repayments in line with a payment plan that had been arranged by a debt charity on his behalf. What happened Mr A found himself i... (4 pages)View decision
