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-4322062
21 Sep 2023 Nationwide Building Society UpheldConsumer CreditDRN-4322062 The complaint Mrs P complains that Nationwide Building Society was irresponsible in its lending to her. What happened Mrs P was provided with four loans by Nationwide between 2017 and 2022. She says the loan amount almost tripled and this is due to her struggling financially. S... (4 pages)View decision -
Decision Reference DRN-5532079
10 Jul 2025 Lowell Portfolio I Ltd UpheldConsumer CreditDRN-5532079 The complaint Mr E complains Lowell Portfolio I Ltd have asked him to repay debts he doesn’t think he owes at this point. Another company owned these accounts, but Lowell took over them within the last few years so I’ll just refer to them in this decision. What happened Mr E... (3 pages)View decision -
Decision Reference DRN-3597563
23 Aug 2022 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-3597563 The complaint Mr S complains Link Financial Outsourcing Limited have: Purchased two of his debts Added two defaults to his credit file Not provided evidence they owned the accounts Talked down to him when speaking on the phone Not set up his complaint when he first asked ... (4 pages)View decision -
Decision Reference DRN8257272
18 Dec 2017 Motormile Finance UK Limited Not upheldBanking and creditMr P complains that Motormile Finance UK Limited (“MMF”) is pursuing him, aggressively and illegally, for a debt dating from 2010 which he says he didn’t incur and in any event is now statute barred.backgroundMMF purchased an outstanding payday loan debt made in June ... (2 pages)View decision -
Decision Reference DRN4177737
16 Oct 2014 Arrow Global Limited UpheldBanking and creditMr A complains that Arrow Global Limited has pursued him for the outstanding balance on an account which was opened fraudulently in his name. backgroundWhen Mr A began receiving payment demands from two separate credit card providers for debts he did not recognise, he wrote to both provi... (2 pages)View decision -
Decision Reference DRN0613876
16 Mar 2015 Capital One (Europe) plc Not upheldBanking and creditMs M complains about a default that has been registered against her by Capital One (Europe) plc and about the lack of communication with her about the credit card debt she owes. backgroundMs M is unhappy that Capital One did not make arrangements with her to put in pla... (2 pages)View decision -
Decision Reference DRN5352290
18 Mar 2014 National Westminster Bank Plc Not upheldBanking and creditMiss H and Miss J complain that National Westminster Bank Plc (NatWest) is pursuing them about a secured loan which it says was arranged about 30 years ago in their late parents’ names, but which it is unable to explain or prove. Miss H and Miss J said the lending was irresponsible in ... (2 pages)View decision -
Decision Reference DRN3518017
30 Jan 2020 Barclays Bank UK PLC Not upheldBanking and creditComplaintMrs S complains that Barclays Bank UK PLC (trading as Barclaycard) is unfairly pursuing her to repay a credit card debt. BackgroundMrs S had a credit card with Barclaycard and in 2013 experienced some financial difficulties. In December 2013 a debt advice service got in touch wit... (2 pages)View decision -
Decision Reference DRN-6078685
29 Jan 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6078685 The complaint Mr A complains that Barclays Bank UK PLC trading as Tesco Bank failed to respond to his write off request. What happened Mr A holds a credit card with Tesco Bank. In September 2022 Mr A contacted the bank and advised them about his ill health. Tesco Bank respon... (3 pages)View decision -
Decision Reference DRN-3238596
11 May 2022 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-3238596 The complaint Mr W complains that The Royal Bank of Scotland Plc (RBS) continued to report a debt on his credit file despite it being included within an Individual Voluntary Arrangement (IVA) that was settled in July 2020. What happened Mr W entered into an IVA in 2018. This wa... (3 pages)View decision