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 DRN8376727
28 Jan 2014 Link Financial Outsourcing Limited Not upheldBanking and creditMr E’s credit card debt was sold to Link Financial Outsourcing Limited. His complaint, in summary, is that: Link Financial refuses to disclose how much it paid for the debt. The original debt is unenforceable. The PPI payments and interest should be deducted from the amount outs... (2 pages)View decision -
Decision Reference DRN2355834
25 May 2016 National Westminster Bank Plc Not upheldBanking and creditMr P complains that National Westminster Bank Plc (“NatWest”) has not treated him fairly in that it used a right of set-off to transfer money from his sole account to repay a debt on the joint account he held with his ex-wife. He says his ex-wife had undertaken to... (2 pages)View decision -
Decision Reference DRN-2566105
9 Feb 2021 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-2566105 The complaint Mr P complains Clydesdale Financial Services Limited trading as Barclays Partner Finance (BPF) failed to adhere to an agreed payment plan arrangement, charged interest and placed his debt with a debt collection agency. What happened Mr P entered into a payment pla... (2 pages)View decision -
Decision Reference DRN5381663
26 Aug 2015 Digital Finance Services UK Limited UpheldBanking and creditMr K complains that Digital Finance Services UK Limited tried to collect £3,160.62 from him for an initial loan of £400. He complains they didn’t answer any of his queries about the amount of the debt and wouldn’t provide proof they were entitled to collect it. backg... (2 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 DRN5612792
4 Jan 2016 Lowell Portfolio I Ltd Not upheldBanking and creditMs R complains Lowell Financial Ltd (“Lowell”) incorrectly registered information on her credit file. She’s also unhappy it won’t send her the information she asked for free of charge.backgroundMs R has been in dispute with Lowell for a number of years. It bought a nu... (2 pages)View decision -
Decision Reference DRN6641753
26 Apr 2013 National Westminster Bank Plc Not upheldBanking and creditMr D wants National Westminster Bank plc to confirm that he does not owe money, on the basis of the Limitation Act 1980 and the fact that he says he has not used the current account for more than six years. our initial conclusionsOur adjudicator did not recommend that this c... (2 pages)View decision -
Decision Reference DRN8076730
1 Apr 2019 The Royal Bank of Scotland Plc Not upheldBanking and creditMr S complains that a credit agreement he has with The Royal Bank of Scotland Plc, trading as MINT, (“RBS”), is not enforceable. He also complains about RBS charges and communication in relation to his financial difficulty and debt. Mr S is represented in this complai... (3 pages)View decision -
Decision Reference DRN-2806292
2 Dec 2021 Barclays Bank Plc Not upheldConsumer CreditDRN-2806292 The complaint Mr T complains that Barclays Bank Plc sold his Barclaycard debt to a company, P, which he believes is profiting from the transaction. What happened Mr T had a Barclaycard but was struggling to make payments in line with the agreed terms. In August 2016, when Mr T ... (2 pages)View decision -
Decision Reference DRN6514249
13 Feb 2014 Lloyds Bank PLC Not upheldBanking and creditMs D complains that Lloyds Bank PLC is wrongly holding her liable for a debt incurred by her ex-partner. She says she has never been his business partner and did not know she had signed an agreement to be jointly and severally liable for any debts he raised. She would like to be released... (2 pages)View decision