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-2814333
22 May 2021 MBNA Limited Not upheldBanking and PaymentsDRN-2814333 The complaint Mr C complains that MBNA Limited irresponsibly allowed him to open two credit card accounts that were unaffordable. What happened Mr C says he opened the first MBNA account in 2015 and at the time had significant debts. He says he told MBNA about his financial dif... (2 pages)View decision -
Decision Reference DRN0414194
21 Sep 2015 National Westminster Bank Plc UpheldBanking and creditMr S complains that National Westminster Bank Plc pursued him for debts he says he does not owe. He also objects to the bank contacting his seriously ill daughter to trace him.backgroundMr S says that in December 2013 NatWest phoned his daughter to find out where h... (2 pages)View decision -
Decision Reference DRN8922946
28 Nov 2014 Regal Credit Consultants Limited Not upheldBanking and creditMr W complains about a debt that Regal Credit Consultants Limited is trying to collect. He says he is disputing the debt and is unhappy that he is being asked to repay the debt. He is also unhappy about the way Regal Credit Consultants has tried to collect the debt and the contact it had w... (2 pages)View decision -
Decision Reference DRN9414391
11 Jan 2016 The Royal Bank of Scotland Plc Not upheldBanking and creditMr D complains that The Royal Bank of Scotland Plc (“RBS”) has instructed a debt collection agency to pursue him for a debt which he says is time-barred under the Limitation Act.backgroundIn 2008 Mr D owed RBS a three-figure sum. In that year he entered an Individu... (1 page)View decision -
Decision Reference DRN0868139
29 Nov 2013 Swinton Group Ltd UpheldInsurance (excluding PPI)Mr K complains that Swinton Group Limited continued to pursue him for an outstanding balance on his motor insurance policy, after it had said it would no longer expect its repayment.Mr K’s solicitor brings the complaint on his behalf.backgroundMr K contacted Swinton to say he had decided... (3 pages)View decision -
Decision Reference DRN1421226
6 Oct 2015 Microcredit Limited UpheldBanking and creditMr M complains about the way Microcredit Limited (trading as MiniCredit.co.uk) treated him when he was in financial difficulty.backgroundAbout a month after taking out a payday loan with Microcredit Mr M told it he was in financial difficulty. He’s unhappy with its res... (2 pages)View decision -
Decision Reference DRN2973694
13 Nov 2014 1st Credit Limited UpheldBanking and creditMrs K complains that 1st Credit Limited unfairly sent letters chasing her debt, including the threat of court proceedings, far too early and without first assessing her situation properly.background1st Credit bought Mrs K’s debt from her previous lender. It sent a notice of assignment ... (3 pages)View decision -
Decision Reference DRN-2891586
2 Jul 2021 Mortgage Express Not upheldMortgagesDRN-2891586 The complaint Mrs J’s complaint is about a mortgage she used to have with Mortgage Express (MX). The mortgage – and the property it was secured on – were in the joint names of Mrs J and her then husband, Mr A. Mrs J is unhappy that MX was been granted a charging order over the ... (3 pages)View decision -
Decision Reference DRN8185743
22 Jun 2017 Paragon Bank Plc Not upheldBanking and creditMrs F is complaining about the way Paragon Bank Plc trading as Moorgate Loan Servicing (Moorgate) recorded information on her credit file. backgroundIn 2012, Moorgate purchased Mrs F’s credit card account from another company. She’d previously agreed a debt management ... (2 pages)View decision -
Decision Reference DRN-3435584
19 Jul 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3435584 The complaint Miss S complains that AvantCredit of UK, LLC have sold her debt and adverse information has been added to her credit file. What happened Miss S had a complaint against Avant for unaffordable lending upheld. Miss S agreed a repayment plan for the capital amount of ... (3 pages)View decision