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 69710 results
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Decision Reference DRN6979787
2 Oct 2015 National Westminster Bank Plc Not upheldBanking and creditMr C complains that National Westminster Bank plc changed and replaced his business accounts without taking proper account of his wishes, removing his control of the accounts and affecting his business. backgroundMr C had current and loan accounts with NatWest. He sa... (3 pages)View decision -
Decision Reference DRN5556862
18 Sep 2014 National Westminster Bank Plc Not upheldBanking and creditMr R complains that an account manager of National Westminster Bank Plc told him that a debt he owed the bank under a personal guarantee would be written off – but it wasn’t. He also complains that his former company liquidated in 2011 but he did not hear from the bank until 2013. Whe... (3 pages)View decision -
Decision Reference DRN9683812
6 Jun 2019 Capital One (Europe) plc Not upheldBanking and creditMrs E complains about the way Capital One (Europe) plc tried to recover a credit card debt from her. Mrs E says Capital One instructed four different debt collection businesses at the same time and that they sent private information to an unrelated address. Mrs E also... (3 pages)View decision -
Decision Reference DRN3036055
15 Mar 2016 Cabot Financial (Europe) Limited Not upheldBanking and creditMrs M complains that Cabot Financial (Europe) Limited is asking her to repay a debt which has been written off. It also started court proceedings when it knew she was disputing the debt. She is assisted in her complaint by her husband, Mr M. backgroundMrs M held ... (3 pages)View decision -
Decision Reference DRN4809290
22 Oct 2015 Santander UK Plc Not upheldBanking and creditMs B complains about a debt, which Santander UK plc transferred to another company. Ms B doesn’t think she owes any money to Santander at all. If there was a debt, she doesn’t think the bank had any right to transfer it to another company and she shouldn’t have t... (2 pages)View decision -
Decision Reference DRN8792621
15 Apr 2019 Barclays Bank UK PLC Not upheldBanking and creditBarclays Bank UK PLC won’t write off the amount Mr M owes on a credit card.backgroundMr M asked Barclays to write the amount off because his financial circumstances were such that he didn’t feel he could ever repay it. Barclays looked at Mr M’s income and expense... (3 pages)View decision -
Decision Reference DRN0759312
13 Aug 2014 Wescot Credit Services Limited Not upheldBanking and creditMr A complains about the debt collection activities of Wescot Credit Services Limited (“Wescot”) in relation to money owed to a third party bank – (“the lender”). He is dissatisfied that Wescot did not contact him after he contacted it, leading him to assume the debt had been written o... (3 pages)View decision -
Decision Reference DRN5653190
7 Nov 2017 PRA Group (UK) Limited Not upheldBanking and creditMr H, on behalf of his wife Mrs H, complains that PRA Group (UK) Limited hasn’t provided any evidence it bought her credit card debt or details of how much it paid for the debt.backgroundMrs H had a credit card debt. She says PRA has said it now owns the debt ... (2 pages)View decision -
Decision Reference DRN-2850433
22 Jun 2021 Sainsbury's Bank Plc Not upheldBanking and PaymentsDRN-2850433 The complaint Mr B complains that Sainsbury's Bank Plc has refused to write off his debt and has refused to provide reasons for the decision. What happened Mr B says he is unable to pay his debts following health problems. He says he asked Sainsbury’s to write off his debt... (2 pages)View decision -
Decision Reference DRN-4661452
20 Mar 2024 Lendable Ltd Not upheldConsumer CreditDRN-4661452 The complaint Mr D complains that Lendable Ltd is unfairly reporting missed payments to the credit reference agencies in respect of two loans he has with it. What happened Mr D entered into two loans with Lendable. He was making contractual repayments until December 2020 when h... (3 pages)View decision
