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-4008395
8 Mar 2023 Erudio Student Loans Limited Not upheldConsumer CreditDRN-4008395 The complaint Mr S complains Erudio Student Loans Limited have asked him to repay a debt he doesn’t have with them – making him feel harassed and bullied into making payments. What happened Mr S has a number of loans taken out with a company I’ll refer to as S, but now managed ... (3 pages)View decision -
Decision Reference DRN5162724
27 Dec 2018 HSBC UK Bank Plc Not upheldBanking and creditMr L has complained that HSBC Bank Plc told him a debt he owed it had been written off but then sold the debt to a third party.backgroundAt the beginning of 2013 Mr L had a current account and a loan with HSBC. It wanted him to repay an outstanding overdraft on... (2 pages)View decision -
Decision Reference DRN3301782
15 Oct 2014 Debt Connect (U.K.) Limited UpheldBanking and creditMiss F has complained that she is owed a refund from Debt Connect (U.K.) Limited, but has not received it.backgroundMiss F entered into a debt management plan with Debt Connect. When she ended the plan, it wrote to her to tell her it owed her a refund of £344. However, this has not... (1 page)View decision -
Decision Reference DRN7288099
11 Jun 2019 National Westminster Bank Plc Not upheldBanking and creditMr H has complained that after National Westminster Bank Plc (Natwest) upheld an earlier complaint he had made about mis-selling him a packaged bank account, it decreased the amount of compensation it paid him to reduce a debt it said he owed from several years earlier... (3 pages)View decision -
Decision Reference DRN8256716
27 Sep 2016 Arrow Global Limited Not upheldBanking and creditMs C complains that Arrow Global Limited (“AGL”) had unreasonably delayed in pursuing a debt and applied a charging order to her property without her knowledge on a debt which she believed was unenforceable.backgroundMs C had a credit card debt with a credit card pro... (3 pages)View decision -
Decision Reference DRN-4784460
10 Sep 2024 Barclays Bank UK PLC UpheldConsumer CreditDRN-4784460 The complaint Mr M complains about being chased by a debt collection agency (DCA) about a debt with Barclays Bank UK PLC (Barclays). What happened Mr M has a current account with Barclays. In May 2023 and June 2023, he got letters from a debt collection agency (DCA) concerni... (2 pages)View decision -
Decision Reference DRN4369065
26 Nov 2019 Barclays Bank UK PLC Not upheldBanking and creditMiss G complains that Barclays Bank UK PLC is now pursuing her for a debt which it previously agreed to write off. backgroundMiss G had an account with an overdraft with Barclays. After falling into financial difficulties the account was closed in 2018 with an outstanding balance of aroun... (2 pages)View decision -
Decision Reference DRN1144919
23 Jan 2015 HSBC Bank plc Not upheldBanking and creditMr E complains that HSBC Bank Plc did not notify him that it had removed his overdraft facility and that it recorded a default on his credit file which it has not removed despite him clearing his debt. backgroundMr E had a current account with a small overdraft limit. He did not make re... (2 pages)View decision -
Decision Reference DRN0594241
5 Jul 2013 Paratus AMC Limited Not upheldBanking and creditK820x summary of complaintMrs and Mr G complain that Paratus AMC Limited were irresponsible to lend to them as it did not consider the level of their outstanding debt. They said the mortgage is now unaffordable to them.background to complaintMrs and Mr G approached a broker for help ... (2 pages)View decision -
Decision Reference DRN-5193372
12 Feb 2025 Metro Bank PLC Not upheldMortgagesDRN-5193372 The complaint Mr J complains that Metro Bank PLC gave him unsuitable advice to consolidate his unsecured debts during a re-mortgage application. He says it didn’t take account of the costs associated with the increased period over which the debt was to be repaid. He also co... (6 pages)View decision