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 DRN4523463
19 Dec 2019 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Ms S doesn’t think it’s fair that The Royal Bank of Scotland Plc (RBS) has used the compensation it offered her for the mis-sale of payment protection insurance (PPI) on six loans to reduce the debt which it says remained unpaid by her. Ms S doesn’t think she had unpaid debt of the amount ... (5 pages)View decision -
Decision Reference DRN-5170041
16 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5170041 The complaint Miss S complains that NewDay Ltd (‘NewDay’) trading as Debenhams Mastercard, applied a default unfairly because it applied it around two years after it first issued a default notice. What happened Miss S had a NewDay branded credit card. In March 2018 she told... (3 pages)View decision -
Decision Reference DRN-3873551
20 Apr 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3873551 The complaint Miss S complains that Barclays Bank UK PLC trading as Barclaycard (‘Barclaycard’) closed her credit card account following an alleged period of persistent debt without giving her the warnings set out in the relevant guidance. What happened Miss S held a credit ca... (4 pages)View decision -
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 DRN5678253
30 Dec 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr F complains The Royal Bank of Scotland Plc should write off a debt as it is now unenforceable because it is statute barred.backgroundMr F took out a loan in 2003 with a business for which RBS is responsible. He says he was then involved in an accident as a result of which he was no l... (1 page)View decision -
Decision Reference DRN0218182
1 Nov 2017 Bridgewater Support Solutions Ltd Not upheldBanking and creditMrs S complains that Bridgewater Support Solutions Limited, trading as DFH, didn’t tell her that she could claim a refund of interest and charges from short term lenders when it was advising her about a debt management plan. backgroundMrs S contacted DFH about her d... (2 pages)View decision -
Decision Reference DRN3015204
19 Apr 2017 Robinson Way Limited Not upheldBanking and creditMs G complains that Robinson Way Limited had registered a County Court Judgement against her and when she paid this it was slow to have it removed. background Ms G along with her ex-husband encountered financial difficulties in 2008 and failed to make repayments on ... (2 pages)View decision -
Decision Reference DRN9988448
28 Nov 2013 The Royal Bank of Scotland Plc Not upheldBanking and creditMr M and Mr N complain that The Royal Bank of Scotland Plc forced them to take personal responsibility for a loan that was for the benefit of another company and should have been transferred to that company. They want the bank to write off that element of their current debts.backgroun... (2 pages)View decision -
Decision Reference DRN6171631
20 Mar 2014 R. Raphael & Sons Plc Not upheldBanking and creditMs G complains that R. Raphael & Sons plc, trading as Monument, will not write off her outstanding debt to it. backgroundMs G owes a credit card debt to Monument. It agreed to accept reduced monthly repayments of £9 each month, which was then reduced to £3 each month and she is ... (1 page)View decision -
Decision Reference DRN-4886788
28 Oct 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4886788 The complaint Mrs O complains that Monzo Bank Ltd unfairly transferred a debt to a collection agency that she says isn’t owed by her. What happened In 2020 Mrs O raised a dispute with Monzo after experiencing difficulties with an automated teller machine (ATM) cash withdrawa... (3 pages)View decision
