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 DRN-2404083
24 Mar 2021 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-2404083 The complaint Miss C complains that Shop Direct Finance Company Limited (SDFC) didn’t treat her fairly when she experienced financial difficulties. Miss C is represented by Mrs G, but for the purpose of this decision I have referred to Miss C throughout. What happened Miss C go... (4 pages)View decision -
Decision Reference DRN7716522
22 Jun 2015 Drydens Limited Not upheldBanking and creditMr P complains that Drydens Limited (the business) is chasing him for an outstanding debt but has not provided him with the details proving he owes the money.backgroundMr P says that he was paying £30 per month to a debt collection company but that he had no informatio... (2 pages)View decision -
Decision Reference DRN9731708
18 Nov 2016 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr M is unhappy with how Royal Bank of Scotland Plc (RBS) has used the compensation it offered to settle his complaint about the mis-sale of a number of payment protection insurance (PPI) policies.backgroundMr M complained about PPI sold to him with a number of loans... (3 pages)View decision -
Decision Reference DRN-4350691
9 Feb 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4350691 The complaint Mr R complains that he’s being pursued by a debt collection agency for his credit card debt from Barclays Bank UK PLC which he thought had been written off. What happened Mr R had a credit card with Barclays. In 2021 he was in some financial hardship and contacted... (3 pages)View decision -
Decision Reference DRN-2695463
20 Mar 2021 Barclays Bank Plc Not upheldBanking and PaymentsDRN-2695463 The complaint Mr A complains that Barclays Bank PLC (Barclays) chased him for the repayment of his debt despite a court order being in place preventing this. What happened Mr A held a business account with Barclays and in September 2018 they withdrew his overdraft facility and ... (3 pages)View decision -
Decision Reference DRN2344027
9 Jun 2017 Hoist Finance UK Limited UpheldBanking and creditMr L complains that Hoist Finance UK Limited have chased him for a debt which is not his. backgroundMr L received a letter from a debt collector acting on behalf of Hoist regarding an outstanding debt. Mr L contacted Hoist in December 2015 and explained that he neve... (2 pages)View decision -
Decision Reference DRN5586639
3 Sep 2015 Barclays Bank Plc UpheldPayment protection insurance (PPI)Mr H has complained that he was mis-sold a payment protection insurance (“PPI”) policy by Barclays Bank Plc (“Barclays”)backgroundMr H took out a PPI policy alongside a credit card he had with Barclays in 2000. Mr H wasn’t able to pay all of his debts when they fell ... (2 pages)View decision -
Decision Reference DRN1528330
29 Jul 2013 Bank of Ireland (UK) Plc Not upheldBanking and creditMr N complains that Bank of Ireland (UK) Plc (BOI) is requesting monthly debt repayments that he cannot afford and is threatening to default his account. He also complains that the bank wrongly applied fees to his account.backgroundMr N’s current account has been overdrawn since late 2... (2 pages)View decision -
Decision Reference DRN6741385
8 Jun 2015 Arrow Global Limited Not upheldBanking and creditMr A complains that Arrow Global Limited is pursuing him for a debt which he has already paid off and that a default is wrongly recorded on his credit record about it.backgroundMr A had a store card account run by a credit card company (which I shall call B). In 20... (2 pages)View decision -
Decision Reference DRN4950883
7 Aug 2014 Bank of Scotland Plc Not upheldBanking and creditThis complaint is about a mortgage Mr F formerly held with Bank of Scotland plc trading as Halifax. Mr F, who is represented by his sister Mrs G, complains that Halifax lent him money he could not afford to repay, and took possession proceedings against him rather than take money from hi... (2 pages)View decision
