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-4179328
1 Sep 2023 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4179328 The complaint In summary, Mr B complains that Capital One (Europe) Plc, hasn’t helped him with the credit card account he has with it. He’s said he has been using the account to its limit, struggled to make the monthly payments and has been in persistent debt for many years. Wh... (3 pages)View decision -
Decision Reference DRN3033463
25 Mar 2014 HSBC Bank plc Not upheldBanking and creditMr G complains that HSBC Bank plc has not treated he and his ex-business partner equally in collecting their outstanding partnership debt. He wants the bank to agree that he is not liable for the repayment of the remaining debt. backgroundMr G and another person were partners in a busin... (2 pages)View decision -
Decision Reference DRN6577926
5 Aug 2014 Barclays Bank Plc Not upheldBanking and creditMrs C complains that Barclays Bank PLC, trading as Barclaycard, will not accept her settlement proposal for the credit card debt that she owes to it. She is being helped with her complaint by her father-in-law.backgroundMrs C had a credit card debt to Barclaycard that she was unable t... (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 DRN9668991
15 Sep 2017 Novaloans Ltd UpheldBanking and creditMiss E says that Novaloans Ltd trading as (Cash4unow) did not help her when she contacted it about the payments on her loan. She says she was bullied into the making payments.backgroundMiss E took out a £350 loan over five months with Cash4unow in September 2016. The ... (3 pages)View decision -
Decision Reference DRN9817466
18 Feb 2015 National Westminster Bank Plc Not upheldBanking and creditMr V complains that National Westminster Bank Plc is acting unfairly in pursuing him for a debt he owes in relation to a personal guarantee.background Mr V and his colleague who I shall call “Mr Z” were both co-directors of a company I shall call “Q”. Mr V and Mr Z signed a personal g... (3 pages)View decision -
Decision Reference DRN5512855
10 Aug 2017 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)Mr P’s complaint is that National Westminster Bank Plc (“NatWest”) mis-sold him payment protection insurance (“PPI”) with a credit card and that NatWest has used the compensation to reduce the outstanding balance.backgroundNatWest upheld Mr P’s complaint and made him an... (3 pages)View decision -
Decision Reference DRN-3459458
5 May 2022 TSB Bank plc Not upheldBanking and PaymentsDRN-3459458 The complaint and background Miss K complains that TSB Bank Plc didn’t treat her fairly when defaulting her account. Miss K’s account went into an unarranged overdraft in July 2021. In July and August Miss K spoke with TSB about the debt, but due to her circumstances she was un... (2 pages)View decision -
Decision Reference DRN-3499765
20 Jun 2022 NCO Europe Limited UpheldConsumer CreditDRN-3499765 The complaint Mrs C is unhappy with the way that NCO Europe Limited (NCOE) dealt with the management of her debt. She says this led to a default being unfairly registered against her credit file. What happened Mrs C’s outstanding debt relates to a credit card, which is now owne... (3 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