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 70772 results
-
Decision Reference DRN8283631
17 Jan 2014 Barclays Bank Plc Not upheldBanking and creditMr F complains that Barclays Bank Plc has wrongly combined his accounts and transferred them to a debt collections agency. He says the bank should not have allowed one of the accounts to become overdrawn and should not have transferred them while he was honouring a repayment plan to cl... (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 DRN5036291
17 Jan 2017 Cabot Financial (Europe) Limited Not upheldBanking and creditMs D complains, in summary, that Cabot Financial (Europe) Limited, (“CFL”), hasn’t handled her debt reasonably.backgroundMs D entered into a credit card agreement with a credit card provider (“P”) in 2004. She fell into arrears and her account was defaulted by P in May 2... (3 pages)View decision -
Decision Reference DRN3374131
25 Nov 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMrs K complains that a financial management plan was mis-sold to her and hasn’t been administered properly by Harrington Brooks (Accountants) Limited.backgroundMrs K entered into a financial management plan with a debt management company in October 2014. The debt managem... (2 pages)View decision -
Decision Reference DRN2977705
3 Jun 2013 The Royal Bank of Scotland Plc Not upheldBanking and creditMr N complains that a personal loan was mis-sold to him by The Royal Bank of Scotland Plc (‘RBS’) as he was told it would guarantee his mortgage application, which was subsequently declined. Mr N said the mortgage was declined on incorrect information about his credit card debt.backgroun... (2 pages)View decision -
Decision Reference DRN4042406
19 Sep 2014 NRAM plc Not upheldBanking and creditMrs M complains that Northern Rock (Asset Management) plc (NRAM) acted irresponsibly when it agreed to provide a mortgage and unsecured loan to her and her then husband.backgroundMrs M and her ex-husband applied for a mortgage and associated unsecured loan from Northern Rock in 2005. The... (2 pages)View decision -
Decision Reference DRN8234109
11 Mar 2014 Bournes Limited UpheldBanking and creditMr and Mrs Q complain about a debt management plan they entered into with Bournes Limited. They say payments were not distributed to their creditors as they expected them to be. They also complain that they were not kept updated with the progress of the plan.backgroundMr and Mrs Q enter... (3 pages)View decision -
Decision Reference DRN-3989633
10 Mar 2023 Klarna Bank AB (publ) UpheldConsumer CreditDRN-3989633 The complaint Mrs S is unhappy that Klarna Bank AB (publ) ‘Klarna’ defaulted her fixed sum loan account and passed the outstanding balance to a debt collector. What happened Mrs S took out a 39-month fixed sum loan with Klarna on 10 October 2020. The loan was for £2,745. Mrs S ... (3 pages)View decision -
Decision Reference DRN-4750307
8 Aug 2024 North Edinburgh and Castle Credit Union Limited UpheldConsumer CreditDRN-4750307 The complaint Miss C complains that North Edinburgh and Castle Credit Union Limited t/a Castle Community Bank (“CCB”) lent to her when she was not able to afford it and did not carry out the correct checks before lending. Miss C wants the whole debt written off and for her c... (5 pages)View decision -
Decision Reference DRN4025124
23 Aug 2013 Barclays Bank Plc Not upheldBanking and creditMr A complains that Barclays Bank Plc, (trading as Barclaycard), accepted a sum in full and final settlement of the amount he owed on his credit card, but then later asked him to repay the outstanding balance. Mr A is also unhappy that the debt has been passed to different debt collectors... (2 pages)View decision
