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 71923 results
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Decision Reference DRN6026382
8 Jul 2016 Robinson Way Limited UpheldBanking and creditMr C complains that Robinson Way Limited pursued him for a debt that wasn’t his.backgroundIn January 2015 the previous owner of the debt allocated it to Mr C’s address in error. Mr C called later the same month to deny the debt was his, but declined to go thro... (1 page)View decision -
Decision Reference DRN3541587
21 Oct 2015 MKDP LLP Not upheldBanking and creditMr B, represented by his solicitor, says that MKDP LLP has chased him for a debt he does not acknowledge and that he has been provided with poor service.background Mr B entered into a hire purchase agreement in 2007. The agreement was terminated in 2007. MKDP acquired ... (2 pages)View decision -
Decision Reference DRN-5625296
16 Jun 2025 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-5625296 The complaint Mr C has complained about the way Creation Consumer Finance Limited administered a credit agreement he’d taken out to buy goods. What happened The circumstances of the complaint are well known to the parties so I won’t go over everything again in detail. But, ... (4 pages)View decision -
Decision Reference DRN7698045
8 Jan 2020 Tesco Personal Finance PLC Not upheldBanking and creditMr O is unhappy with Tesco Personal Finance PLC sending his account to a debt collector. backgroundMr O took out a credit card with Tesco in July 2013. Mr O then started to fall behind with his payments in 2017. In October 2017 Mr O sent Tesco information about his mental health from his G... (2 pages)View decision -
Decision Reference DRN-4405247
7 Nov 2023 Barclays Bank UK PLC Not upheldConsumer CreditDRN-4405247 The complaint Mr C complains that Barclays Bank UK PLC irresponsibly agreed two loans for him. What happened Barclays agreed two loans for Mr C in 2018. He had previously borrowed from Barclays in 2017 but hasn’t complained about those loans. I’ve summarised some of the availab... (3 pages)View decision -
Decision Reference DRN9731708
18 Nov 2016 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr M is unhappy with how Royal Bank of Scotland Plc (RBS) has used the compensation it offered to settle his complaint about the mis-sale of a number of payment protection insurance (PPI) policies.backgroundMr M complained about PPI sold to him with a number of loans... (3 pages)View decision -
Decision Reference DRN-3982733
22 Feb 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3982733 The complaint Mr S complains Barclays Bank UK PLC trading as Barclaycard won’t let him make a payment to clear one of his credit card accounts. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant ele... (8 pages)View decision -
Decision Reference DRN3731965
20 Jun 2016 Santander UK Plc Not upheldBanking and creditMiss T complains that Santander UK Plc wants her to pay money that she doesn’t owe. She wants Santander to refund the payments her father made without her knowledge or permission.backgroundMiss T opened an account with Santander (previously Alliance & Leicester). In ... (3 pages)View decision -
Decision Reference DRN4950883
7 Aug 2014 Bank of Scotland Plc Not upheldBanking and creditThis complaint is about a mortgage Mr F formerly held with Bank of Scotland plc trading as Halifax. Mr F, who is represented by his sister Mrs G, complains that Halifax lent him money he could not afford to repay, and took possession proceedings against him rather than take money from hi... (2 pages)View decision -
Decision Reference DRN-5191034
6 Dec 2024 Marks & Spencer Financial Services plc UpheldBanking and PaymentsDRN-5191034 The complaint Mr M complains that Marks & Spencer Financial Services Plc trading as M&S Bank gave him incorrect information about the position of his credit card debt. What happened The background to this complaint and my initial conclusions were set out in a provis... (3 pages)View decision
