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 69825 results
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Decision Reference DRN1138532
20 Dec 2016 HSBC Bank plc Not upheldBanking and creditMr S complains that HSBC Bank Plc has recorded incorrect information on his credit file. He says a store card debt should’ve been added earlier than it actually was. background HSBC said Mr S had a previous loan which he defaulted on which was registered with the credit... (2 pages)View decision -
Decision Reference DRN1474250
21 Nov 2016 Baines & Ernst Limited Not upheldBanking and creditMrs H, represented by a claims management company (CMC), complains that Baines & Ernst Limited (the business) mis-sold her a debt management plan (DMP).backgroundMrs H entered into a DMP, set up and managed by the business, in 2012. Mrs H says that although she w... (2 pages)View decision -
Decision Reference DRN-2566872
8 Feb 2021 MBNA Limited UpheldBanking and PaymentsDRN-2566872 The complaint Mrs T complains that MBNA Limited has defaulted her credit card debt, although she says that she’d agreed a payment plan with MBNA. Mr T brings this complaint on her behalf. What happened Mr T said that Mrs T had reached an agreement with MBNA to pay off her cred... (3 pages)View decision -
Decision Reference DRN-4947346
14 Nov 2024 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-4947346 The complaint Miss H complains about the way that Creation Consumer Finance Limited has dealt with the payments due from her under a hire purchase agreement. What happened A used car was supplied to Miss H under a hire purchase agreement with Creation Consumer Finance that s... (3 pages)View decision -
Decision Reference DRN2297722
14 Mar 2014 Barclays Bank Plc Not upheldBanking and creditMr M complains that Barclays Bank PLC failed to update the correspondence address for a buy-to-let mortgage he held with it, when he moved home. Consequently, when the mortgage fell into arrears, due to a problem with the direct debit, Mr M did not receive the letters sent by Barclays and... (2 pages)View decision -
Decision Reference DRN4831841
14 Feb 2019 Paragon Finance Plc Not upheldBanking and creditMs O is unhappy because Paragon Finance PLC continues to pursue her for payment of an outstanding debt.Although Ms O is represented in this matter by a third party, for simplicity I will just refer to Ms O.backgroundMs O had a credit card with a bank. Paragon later b... (2 pages)View decision -
Decision Reference DRN3653866
29 Mar 2017 MBNA Limited Not upheldBanking and creditMr T complains that MBNA Limited has not treated him fairly, in that it sold his debt to a third party earlier than he had expected, and without telling him, as it had said it would do. He would like MBNA to buy the debt back from the third party and allow him to... (2 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 DRN7591529
8 Nov 2017 PRA Group (UK) Limited UpheldBanking and creditMrs H’s complaint is about a debt that PRA Group (UK) Limited is collecting from her. She says she can’t afford to make any level of repayment, and thinks it should be written off in light of her circumstances. backgroundMrs H asked PRA to write off the debt owed ... (3 pages)View decision -
Decision Reference DRN8111099
7 Mar 2016 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mrs N has complained about the way Royal Bank of Scotland Plc (RBS) has used the compensation it agreed to pay her after she complained about the mis-sale of payment protection insurance (PPI).backgroundMrs N took out a loan with RBS. With this she took out PPI to pro... (2 pages)View decision
