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 74386 results
-
Decision Reference DRN-2058970
24 Aug 2020 Resolvecall Not upheldBanking and PaymentsDRN-2058970The complaintMr R complains about what happened when he had a visit at his home from Resolvecall.What happenedResolvecall has been hired by a debt collection agent to get in touch with a customer and link him up with the bank he owes a credit card debt to. In June 2018, Resolvec... (2 pages)View decision -
Decision Reference DRN-3397348
16 Jun 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3397348 The complaint Ms A is unhappy that Bank of Scotland plc trading as Halifax (“Halifax”) put a marker on her credit file which has meant she is unable to obtain credit from other banks. She is also unhappy about the letters she’s been sent and fees applied to her account whilst s... (2 pages)View decision -
Decision Reference DRN-3011570
15 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3011570 The complaint Mrs F complains that NewDay Ltd trading as Debenhams unfairly registered a default on her credit file. What happened Mrs F says she left the United Kingdom (UK) in or around July 2018 and repaid her Debenhams credit card account. She says on her return to the UK s... (2 pages)View decision -
Decision Reference DRN8637469
30 Mar 2015 1st Credit Limited UpheldBanking and creditMr C has complained that 1st Credit Limited continued to ask him for payment of a debt when he believes this was not enforceable.backgroundIn April 2014 1st Credit contacted Mr C asking him to repay £3,755.94. This was a debt they’d bought from the original loan provi... (2 pages)View decision -
Decision Reference DRN4766222
13 Jan 2015 Clydesdale Bank Plc Not upheldBanking and creditMr and Mrs C complain about the customer service they received from Clydesdale Bank Plc (trading as Yorkshire Bank) in relation to a debt they owe under a personal guarantee.backgroundMr and Mrs C are former directors of a company that I’ll refer to as “A”. A was dissolved in June 2014.I... (2 pages)View decision -
Decision Reference DRN2373784
7 Nov 2014 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs W complain that Lloyds Bank PLC mis-sold a business loan to them. They ask that the loan is written off.backgroundIn 2005 Mr and Mrs W were in financial difficulties. They asked Lloyds for a business loan to repay personal and business debts and provide working capital for... (2 pages)View decision -
Decision Reference DRN6728619
9 Jul 2018 Cabot Credit Management Group Limited Not upheldBanking and creditMr F complains about accounts he had with Cabot Credit Management Group Limited (Cabot). He’s unhappy about being asked to repay the accounts and that no proof has been provided confirming he actually owed anything. Mr F believes he’s been bullied by Cabot into repay... (3 pages)View decision -
Decision Reference DRN9399494
19 Mar 2015 The Mortgage Matters Partnership Not upheldBanking and creditMr and Mrs N complain that The Mortgage Matters Partnership (“MMP”) mis-sold a mortgage to them.background Mr and Mrs N had a mortgage. On the advice of MMP they re-mortgaged to a different lender and consolidated an unsecured loan and credit card debts into the ne... (3 pages)View decision -
Decision Reference DRN8823704
16 May 2014 Shoosmiths LLP UpheldBanking and creditMiss M complains that Shoosmiths LLP refused to accept her repayment plan and has not worked with her to resolve her debt.background Miss M owes money to a building society and she suggested a monthly payment regime which would take some 200 years to pay off the debt. The society sugges... (2 pages)View decision -
Decision Reference DRN-5222395
19 Dec 2024 MBNA Limited UpheldConsumer CreditDRN-5222395 The complaint Mrs S says MBNA Limited irresponsibly lent to her. What happened Mrs S took out a loan for £8,000 over 60 months from MBNA on 23 November 2023. The monthly repayments were £201.81 and the total repayable was £12,108.60. Mrs S says she was already seriously inde... (3 pages)View decision
