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
-
Decision Reference DRN8127731
19 Aug 2016 HSBC Bank plc Not upheldBanking and creditMr S complains that HSBC Bank plc recorded a default on his credit file unfairly.backgroundIn July 2012 a debt management company contacted HSBC on Mr S’s behalf. It explained that he’d sought its advice on dealing with his financial situation, and said it was likely... (4 pages)View decision -
Decision Reference DRN3389669
17 Dec 2013 Lloyds Bank PLC Not upheldBanking and creditMr J complains about the way that Lloyds Bank plc (previously Lloyds TSB Bank plc) has dealt with him in connection with the enforcement of a personal guarantee. backgroundMr J, jointly with another director, gave a director’s personal guarantee to Lloyds in support of the bank’s lend... (2 pages)View decision -
Decision Reference DRN0112128
2 May 2019 Barclays Bank UK PLC Not upheldBanking and creditMr M complains that Barclays Bank UK PLC, trading as Barclaycard (“Barclays”) won’t allow him to settle his credit card debt. He also complains that Barclays failed to respond to a subject access request. backgroundMr M had a Barclaycard credit card account with an o... (3 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 -
Decision Reference DRN4556640
24 Sep 2015 Capquest Debt Recovery Limited UpheldBanking and creditMr W complains that Capquest Debt Recovery Limited has continued to pursue him for payment of a debt which has already been settled.background A debt Mr W had was assigned to Capquest in 2012. In 2014 he made an individual voluntary arrangement (IVA) covering a numb... (2 pages)View decision -
Decision Reference DRN-5199237
15 Jan 2025 etika Finance UK Limited Not upheldConsumer CreditDRN-5199237 The complaint Mr D complains that Etika Finance UK Limited was irresponsible when it offered him credit. What happened Etika agreed credit of £327.39 for Mr D in September 2019. The total amount owed was £407.47 to be repaid at £11.32 a month over 36 months. Mr D met his re... (3 pages)View decision -
Decision Reference DRN8926548
10 Jan 2014 MKDP LLP Not upheldBanking and creditMr B complains that MKDP LLP is pursuing him for a debt, but has failed to provide him with necessary information about that.background In 2008 Mr B took out a loan with another business which I shall call C. In 2010, when Mr B had significant arrears on the account, C sold the debt t... (2 pages)View decision -
Decision Reference DRN1584632
14 Aug 2017 Lowell Portfolio I Ltd Not upheldBanking and creditMr C complains that Lowell Portfolio I Ltd sent letters to an old address in respect of a credit card debt and then imposed charges. backgroundMr C had a credit card debt and the bank passed the debt to Lowell. Mr C says he wasn’t aware he owned any money and so he ... (1 page)View decision -
Decision Reference DRN-5398693
20 Mar 2025 Metro Bank PLC Not upheldConsumer CreditDRN-5398693 The complaint Mr D complains that Metro Bank PLC trading as RateSetter was irresponsible when it offered him a loan. What happened RateSetter agreed a loan of £5,000 for Mr D in January 2023. The total amount owed was £5,883.12 to be repaid at £163.42 a month over 36 months... (5 pages)View decision -
Decision Reference DRN1781231
2 Jul 2018 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr C isn’t happy with how Capital One (Europe) plc (‘Capital One’) has resolved his complaint about a payment protection insurance (‘PPI’) policy attached to a credit card. backgroundMr C had a PPI policy attached to a credit card that was sold in 2000.Mr C entered... (3 pages)View decision
