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 76853 results
-
Decision Reference DRN-1686042
11 Sep 2020 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-1686042The complaintMr L complains about the way Cabot Financial (Europe) Limited (Cabot) has handled a debt it acquired in his name. What happenedMr L had a credit card with another business that was acquired by Cabot on 3 July 2017. The original lender terminated the credit agreement... (3 pages)View decision -
Decision Reference DRN-3982685
18 Jul 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3982685 The complaint Mr P complains that Barclays Bank UK PLC (trading as Barclaycard) sold his credit card debt to a third-party firm without taking his personal circumstances into consideration. Mr P would like Barclaycard to write his debt off. What happened Mr P opened the credit ... (2 pages)View decision -
Decision Reference DRN-5955807
21 Nov 2025 Barclays Bank UK PLC Not upheldConsumer CreditDRN-5955807 The complaint Ms D complains Barclays Bank UK Plc trading as Tesco Bank (“Tesco”) irresponsibly lent to her. What happened In November 2023 Ms D took out a loan with Tesco for £18,500. The loan was to be repaid over 84 months with monthly repayments of £312.53. Ms D compla... (3 pages)View decision -
Decision Reference DRN0357954
31 Jan 2014 Marlin Financial Services Limited Not upheldBanking and creditMr A complains that Marlin Financial Services Limited pursued him for an invalid debt, refused to deal with his representative and failed to comply with regulations.backgroundIn November 2012 Mr A’s overdraft debt that had already defaulted was assigned to a third party company by the... (2 pages)View decision -
Decision Reference DRN4472659
4 Apr 2017 Bank of Scotland Plc Not upheldBanking and creditT, a limited company, complains that Bank of Scotland PLC (BOS) has overcharged interest and it won’t agree to refund the amount overpaid. The complaint is brought on T’s behalf by its director, Mr T.backgroundT’s borrowing was restructured in 2006, with part of the... (2 pages)View decision -
Decision Reference DRN9872271
27 May 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs W complain about errors and poor service from The Royal Bank of Scotland Plc (RBS) in relation to its handling of their accounts. background I will briefly summarise the background to this complaint. Mr W ran a business which unfortunately ran into financial difficulty in abou... (2 pages)View decision -
Decision Reference DRN6325516
15 Dec 2016 Cabot Financial (Europe) Limited UpheldBanking and creditMr U complains that Cabot Financial (Europe) Limited, (“CFL”), won’t supply him with copies of credit agreements or any other documentation about the debts they are pursuing him for. The complaint is brought to this service by a member of Mr U’s family, but for ease... (3 pages)View decision -
Decision Reference DRN8234028
8 Mar 2016 Bank of Scotland Plc Not upheldBanking and creditMiss G says since Bank of Scotland plc (trading as Halifax) defaulted her loan and current accounts she’s suffered unprofessional service on the phone. And her credit file hasn’t been updated accurately. The bank’s compensation of £75 (plus £31.50 to cover call co... (2 pages)View decision -
Decision Reference DRN2650543
6 Jul 2016 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr M’s complaint is about the sale of a payment protection insurance (PPI) policy and way The Royal Bank of Scotland Plc (RBS) has offered to put things right for him. He’s also unhappy with the service he’s received from RBS.backgroundIn 2000 Mr M was sold a PPI... (4 pages)View decision -
Decision Reference DRN-5129409
6 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5129409 The complaint Miss H complains that NewDay Ltd (NewDay) lent to her irresponsibly. What happened Over a period, Miss H had two credit cards issued by NewDay and the limits were increased as shown: Aqua card: Limit increase No. Date Limit December 2017 – new card £900 1 May ... (5 pages)View decision