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 70868 results
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Decision Reference DRN6561350
24 May 2017 HSBC Bank plc UpheldBanking and creditMr W complains, in summary, about the customer service provided to him by HSBC Bank plc. He also believes that HSBC didn’t do proper checks when it sold an account to a debt purchaser (“T”), and as a result he’s been pursued for a debt which isn’t his.backgroundMr W... (3 pages)View decision -
Decision Reference DRN-3176404
23 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3176404 The complaint Mr and Mrs R are bringing this complaint on behalf of their late son, M, against NewDay Ltd (NewDay). They believe NewDay acted irresponsibly in giving M a credit card and subsequent credit increase. What happened Mr R said that NewDay agreed a credit for M in Apr... (4 pages)View decision -
Decision Reference DRN-3616677
29 Jul 2022 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3616677 The complaint Miss P complains about the two credit limit increases made on her credit card account by Tesco Personal Finance PLC trading as Tesco Bank. She said neither of these increases was affordable for her, and she wanted Tesco to repay the interest she had been charged. ... (5 pages)View decision -
Decision Reference DRN-2574368
25 Mar 2021 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2574368 The complaint Mr V complains that a default was registered by National Westminster Bank Plc (NatWest) What happened Mr V had an account from NatWest since 2006 when he was a student. In October 2017, his balance was £1089.76 debit. A default notice was issued, and a default reg... (2 pages)View decision -
Decision Reference DRN-4529263
22 Dec 2023 Salary Finance Limited UpheldConsumer CreditDRN-4529263 The complaint Mr H complains that Salary Finance Limited irresponsibly agreed a loan for him. What happened Salary Finance agreed a loan of £7,000 for Mr H in August 2022. The total amount owed was £10,775 to be repaid at £180 a month over 60 months (figures rounded). I underst... (3 pages)View decision -
Decision Reference DRN4608155
17 Mar 2020 Capquest Debt Recovery Limited UpheldBanking and creditMr L has complained Capquest Debt Recovery Limited is pursuing him for a debt that isn’t his.backgroundAfter getting a letter from Capquest asking him to repay a catalogue shopping debt, Mr L told them this wasn’t his debt. He provided Capquest with the evidence they requested to show his ... (2 pages)View decision -
Decision Reference DRN8605285
26 Apr 2019 National Westminster Bank Plc Not upheldBanking and creditMrs W complains National Westminster Bank Plc (“Nat West”) continue to chase her for the payment of a debt when they’d previously told her when the account was defaulted she’d no longer be pursued for it. Mrs W is assisted in bringing her complaint by her husband Mr W.... (3 pages)View decision -
Decision Reference DRN7278172
14 Oct 2015 Bank of Scotland Plc UpheldBanking and creditMr M complains about the Bank of Scotland Plc trading as Halifax. He says that Halifax have incorrectly continued to record a default notice on his credit file.backgroundMr M held a current account with Halifax. In 2010, Halifax recorded a default notice on his cre... (2 pages)View decision -
Decision Reference DRN8560737
16 Jan 2020 Cabot Credit Management Group Limited Not upheldBanking and creditMr E complains that Cabot Financial (Europe) Limited representing Cabot Credit Management Group Limited (Cabot Credit) are pursuing him for a debt that he doesn’t believe is his. He would like Cabot Credit to prove the debt is his, to write off the debt and to amend his credit file.backgro... (2 pages)View decision -
Decision Reference DRN-2916616
15 Jul 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2916616 The complaint Mrs S complains that Barclays Bank Plc trading as Barclaycard (Barclaycard) lent to her irresponsibly. Mrs S is represented by Mr S, her husband. What happened Mrs S had a credit card from Barclaycard from 2012. Between 2013 and 2018, her credit limit was increase... (4 pages)View decision
