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 74313 results
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Decision Reference DRN-3594094
12 Sep 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3594094 The complaint Mr D complained that Barclays Bank UK PLC (“Barclays”) didn’t send persistent debt letters and didn’t provide him with information he requested about his credit card account. What happened Mr D had a credit card with Barclays since around 2015. For some years he m... (3 pages)View decision -
Decision Reference DRN-4526693
28 Dec 2023 POLICY EXCESS INSURE LTD UpheldInsuranceDRN-4526693 The complaint Ms M has complained about POLICY EXCESS INSURE LTD (PEX). She isn’t happy that it auto renewed her roadside assistance policy and failed to cancel it upon request. What happened Ms M had a roadside assistance policy through PEX which it looked to auto renew in Jan... (2 pages)View decision -
Decision Reference DRN7298218
15 May 2019 Lowell Financial Ltd Not upheldBanking and creditMr H complains that Lowell Financial Ltd wrongly registered a debt on his credit file even though he had already repaid it in full.backgroundIn July 2014 Mr H took out a loan, which he defaulted on in June 2015. He says that he repaid the outstanding balance in ful... (2 pages)View decision -
Decision Reference DRN6529843
15 Dec 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr and Mrs H complain that they weren’t provided with satisfactory information about their debt management plan (“DMP”), which was sold to them by a third party (“T”). The DMP was then passed to Harrington Brooks (Accountants) Limited, trading as Harrington Brooks Deb... (3 pages)View decision -
Decision Reference DRN1003140
14 Nov 2013 Northern Debt Recovery Limited UpheldBanking and creditMr O complains about the way that Northern Debt Recovery Limited has dealt with him while it was seeking repayment of a loan. He is unhappy as he sent a £350 payment in full and final settlement of the debt but Northern Debt Recovery is still seeking further payments from him. Mr O has... (3 pages)View decision -
Decision Reference DRN-2924361
16 Nov 2021 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-2924361 The complaint Mr S, trading as C, complained that Lloyds Bank PLC (Lloyds) failed to correctly apply two business loan PPI refunds to reduce the debt outstanding to it. What happened Mr S, trading as C, had two business loans with Lloyds. In 2012, Mr S complained about the PPI ... (3 pages)View decision -
Decision Reference DRN3104039
12 Jun 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr F complains that Lloyds TSB Bank Plc: Threatened to withdraw his business overdraft facilities unless he agreed that it could take a charge over his residential property, without giving him time to seek legal advice. Only took a charge over his property and not that of his busines... (2 pages)View decision -
Decision Reference DRN1512770
9 Jan 2020 National Westminster Bank Plc Not upheldBanking and creditMr P is unhappy that National Westminster Bank Plc (NatWest) sold his outstanding debt to a third party. The debt relates to the overdraft on a NatWest current account. Mr P also disputes NatWest refunded interest to him in 2015 relating to the same account. And doesn’t accept a phone call... (4 pages)View decision -
Decision Reference DRN3928729
2 Mar 2020 Gain Credit LLC UpheldBanking and creditMr M complains about the service he received from Gain Credit LLC (trading as Lending Stream) after he told it he was in financial difficulties.backgroundMr M had one loan from Lending Stream on 1 May 2017 for £250. It was due to be repaid in six instalments, the largest of which was £106.... (3 pages)View decision -
Decision Reference DRN5544304
30 Sep 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMiss T complains that Harrington Brooks (Accountants) Limited mis-sold her a debt management plan. The complaint is brought on her behalf by a claims management company. It says a debt relief order would have been more suitable.backgroundMiss T sought advice from anot... (2 pages)View decision
