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 70137 results
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Decision Reference DRN3037153
19 Dec 2018 Tesco Personal Finance PLC Not upheldPayment protection insurance (PPI)Ms J’s complaint is about how Tesco Personal Finance PLC (“Tesco”) has used the compensation it offered on her payment protection insurance (“PPI”) policy attached to her credit card, to reduce her outstanding debt.backgroundMs J, through a claims management company (“... (4 pages)View decision -
Decision Reference DRN5382333
3 Jul 2014 Barclays Bank Plc Not upheldBanking and creditMr N complains that Barclays Bank Plc transferred his debt to a third party debt collection agency when it had previously agreed to write it off. He wants the bank to pay him compensation and to either write off the debt or agree a repayment plan with him. our initial conclusions... (2 pages)View decision -
Decision Reference DRN0222131
28 Jun 2013 HSBC Bank plc Not upheldBanking and creditMrs B complains that as she has not seen a copy of her credit card agreement she does not know whether she is responsible for the debt to HSBC Bank Plc.backgroundMrs B accepts that she and her ex-husband both had a credit card issued by HSBC. Mrs B and her present husband are repaying ... (1 page)View decision -
Decision Reference DRN7686406
9 Jan 2017 Motormile Finance UK Limited Not upheldBanking and creditMr D complains that Motormile Finance UK Limited added a default for a payday loan account it had purchased to his credit file. He wants it removed.backgroundMr D said Motormile had bought a debt he accrued in 2011 with a payday lender. He said it’d recently added... (1 page)View decision -
Decision Reference DRN1988203
1 Aug 2014 Santander Cards UK Limited Not upheldBanking and creditMrs D complains that Santander Cards UK Limited placed an adverse notice on her credit file because it had sold her debt to a debt collection agency.backgroundIn mid 2011 Mrs D contacted Santander to explain she was in financial difficulties and was receiving debt management advice. ... (1 page)View decision -
Decision Reference DRN4110139
19 Dec 2016 DEBT CORRECT Not upheldBanking and creditMr B complains that Debt Correct Limited, trading as Debt Correct, (“DC”), didn’t provide him with appropriate information when he entered into a debt management plan (“DMP”) with it. The complaint is brought to this service on Mr B’s behalf by a claims management c... (2 pages)View decision -
Decision Reference DRN4179861
9 Dec 2015 National Westminster Bank Plc Not upheldBanking and creditMr A complains that National Westminster Bank plc is treating him unfairly in the way it reports his accounts on his credit file.backgroundMr A is making reduced monthly payments on two accounts, under a payment arrangement with NatWest.Mr A says that the credit file re... (3 pages)View decision -
Decision Reference DRN8092863
15 Apr 2019 Arrow Global Limited Not upheldBanking and creditMrs B complains about Arrow Global Limited’s handling of a debt they say she owes them. backgroundMrs B is represented in this complaint, but for ease I’ll refer to Mrs B below when describing the actions of her or her representative.Mrs B took out a credit card ac... (3 pages)View decision -
Decision Reference DRN6620313
1 Nov 2013 Shop Direct Finance Company Limited UpheldBanking and creditMiss G complains that Shop Direct Finance Company Limited (“Shop Direct”) mistakenly awarded her £5,172.02 as part of a reward scheme run by Shop Direct Home Shopping Limited. She says she has done nothing wrong, the whole sequence of events stemmed from its mistake and therefore it shou... (3 pages)View decision -
Decision Reference DRN-2864019
8 Jun 2021 Equifax Limited Not upheldConsumer CreditDRN-2864019 The complaint Mrs P has complained that Equifax Limited gave her address to a debt collector. What happened In 2020, a debt collector contacted Mrs P about an old account, and told her they got her address from Equifax. Mrs P complained. She explained she was worried that if Eq... (2 pages)View decision
