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 DRN-2916475
28 Jul 2021 MBNA Limited UpheldBanking and PaymentsDRN-2916475 The complaint Ms G complains that lending made to her by MBNA Limited was irresponsible. What happened Ms G said she applied for a credit card with MBNA in late 2018, when she already had a very considerable amount of debt. It offered to lend her £3,700, but she said this was n... (4 pages)View decision -
Decision Reference DRN4524786
24 Mar 2020 Sainsbury's Bank Plc Not upheldBanking and creditMrs B has complained that Sainsbury’s Bank Plc (‘the bank’) has wrongly refused her claim under section 75 Consumer Credit Act 1974. backgroundMrs B says she had no choice but to use her Sainsbury credit card to pay around £4,000 to a company that claimed to be collecting, from her husband... (2 pages)View decision -
Decision Reference DRN2692633
4 May 2017 Capital One (Europe) plc UpheldBanking and creditMr C is unhappy that Capital One (Europe) plc has registered a default against his credit record even though there’s an agreed debt management programme (DMP) in place. His other lenders haven’t registered a default and he doesn’t think that Capital One has followed indu... (4 pages)View decision -
Decision Reference DRN-2291430
2 Feb 2021 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2291430 The complaint Mrs C complains that The Royal Bank of Scotland Plc (“RBS”) informed her she was in persistent debt and it would close her credit card account. What happened Mrs C has held a credit card account with RBS since 2002. She acknowledges that she falls within the Finan... (3 pages)View decision -
Decision Reference DRN5683845
6 Sep 2019 Drydens Limited Not upheldBanking and creditMr M complains that Drydens Limited told him the offer he made to settle a debt was acceptable, but then later said it wasn’t. background Mr M owes a debt to a lender. This lender employs Drydens to recover repayment of this debt from Mr M on its behalf. Drydens agreed a debt management pl... (3 pages)View decision -
Decision Reference DRN3099438
13 Feb 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs T complain that they were mis-sold a mortgage by Legal & General Partnership Services Limited (“L&G”).backgroundMr and Mrs T had a mortgage when they took advice from L&G. They also had credit cards, an unsecured loan and a substantial overdraft. Acting on advic... (2 pages)View decision -
Decision Reference DRN4817153
29 Sep 2017 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMrs K complains that Harrington Brooks (Accountants) Limited (HB) provided poor service when she took out a debt management plan. background Mrs K took out the debt management plan (DMP) in 2014. In June 2016 HB told her one of her debts was paid off. It stopped making... (2 pages)View decision -
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 DRN0304216
31 Jul 2018 Hoist Finance UK Limited Not upheldBanking and creditMr W complains that Hoist Finance UK Limited (Hoist) has contacted him about a debt he believes is statute-barred.backgroundMr W received a letter in August 2017 from his credit card provider informing him that the account had been “assigned and transferred” to “Hois... (3 pages)View decision -
Decision Reference DRN2176199
2 Dec 2014 Lloyds Bank PLC Not upheldBanking and creditMrs W complains about overdrafts and loans provided by Lloyds Bank PLC and the way it has gone about recovering money owed. backgroundMrs W and her husband were involved in a business which started to get into difficulties in 2005. They had a number of joint accounts and accounts in ... (2 pages)View decision
