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 72056 results
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Decision Reference DRN9462039
12 Jun 2018 National Westminster Bank Plc Not upheldBanking and creditMr F complains that National Westminster Bank Plc paid a direct debit causing his business account to become overdrawn. Mr F asks that NatWest reverses the transaction and pays compensation.backgroundIn May 2017 Mr F asked NatWest to reclaim seven years of direct debit ... (3 pages)View decision -
Decision Reference DRN-2489317
8 Mar 2021 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-2489317 The complaint Mr T complains about Capital One (Europe) plc (“Capital One”) in relation to its decision to issue him with a credit card. He believes that the lending was irresponsible, and he wants Capital One to refund him the interest he has paid on his debt. What happened In... (2 pages)View decision -
Decision Reference DRN-1692366
21 Dec 2020 Arrow Global Limited Not upheldConsumer CreditDRN-1692366 The complaint Mr C says Arrow Global Limited has treated him unfairly because it pursued him for a debt he says it knew he didn’t owe. What happened Mr C had an account with a bank. In 2013 there was a transaction on his bank account which Mr C disputed. In 2015 the bank sold t... (3 pages)View decision -
Decision Reference DRN9909288
4 Jun 2014 Microcredit Limited UpheldBanking and creditMiss A complains about the way that Microcredit Limited (trading as MiniCredit.co.uk) has dealt with her financial difficulties.backgroundMiss A took out a loan from MiniCredit in November 2012 for £100 which was repayable the following month. She deferred payment of it twice. She conta... (2 pages)View decision -
Decision Reference DRN1170710
16 Aug 2017 AKINIKA DEBT RECOVERY LIMITED Not upheldBanking and creditMr B complains that he is being pursued by Akinika Debt Recovery Limited in respect of a debt which isn’t his.backgroundMr B is unhappy about correspondence which he has received from Akinika. He says that the debt isn’t his and he wants Akinika to stop contacting ... (2 pages)View decision -
Decision Reference DRN2373784
7 Nov 2014 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs W complain that Lloyds Bank PLC mis-sold a business loan to them. They ask that the loan is written off.backgroundIn 2005 Mr and Mrs W were in financial difficulties. They asked Lloyds for a business loan to repay personal and business debts and provide working capital for... (2 pages)View decision -
Decision Reference DRN8843086
7 Mar 2014 Bank of Scotland Plc UpheldBanking and creditMr T complains that Bank of Scotland plc (“BoS”) unfairly holds him liable for debts of his limited company.backgroundMr T was director of a limited company that had its current account with BoS. There was an overdraft facility, and Mr T had given his personal guarantee for the company... (4 pages)View decision -
Decision Reference DRN5204966
19 Nov 2015 HSBC Bank plc Not upheldBanking and creditMrs P complains that HSBC Bank plc is pursuing her for money due on a joint account she had with her late husband. She says she was not aware of the debt.backgroundMrs P’s joint account that she held with her husband had an overdraft facility. She says that she did ... (2 pages)View decision -
Decision Reference DRN5512855
10 Aug 2017 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)Mr P’s complaint is that National Westminster Bank Plc (“NatWest”) mis-sold him payment protection insurance (“PPI”) with a credit card and that NatWest has used the compensation to reduce the outstanding balance.backgroundNatWest upheld Mr P’s complaint and made him an... (3 pages)View decision -
Decision Reference DRN-3276947
9 Mar 2022 Lowell Financial Ltd Not upheldConsumer CreditDRN-3276947 The complaint Mr M complains that Lowell Financial Ltd’s is unfairly trying to recover a credit card debt. What happened Lowell says it bought a credit card debt in Mr M’s name from the original lender (C) in December 2020. Both Lowell and C sent a Notice of Assignment (NOA) to... (2 pages)View decision
