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 71523 results
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Decision Reference DRN7945816
26 Sep 2014 Moneyplus Group Limited UpheldBanking and creditMr C complains that Moneyplus Group Limited (“MGL”), formerly trading as The Debt People, incorrectly advised him to enter into an individual voluntary arrangement (“IVA”).backgroundMr C was advised by MGL to enter into an IVA, which he did in 2010. He said that he wanted all his debts... (2 pages)View decision -
Decision Reference DRN-2861048
5 Jul 2021 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-2861048 The complaint Mr C complains that he shouldn’t have been given a credit card by Clydesdale Bank Plc trading as Virgin Money (Virgin). What happened Mr C applied online for a credit card from Virgin in June 2017. It was approved with a limit of £7,100. In December 2020, the debt... (4 pages)View decision -
Decision Reference DRN-3943784
16 Mar 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-3943784 The complaint Mr C complains that Santander UK Plc (Santander) hasn’t supported him since 2018/2019 with the debt he has on his credit card. What happened Mr C says that he has not been able to make monthly payments on his credit card debt to reduce what he owes since 2018. He ... (2 pages)View decision -
Decision Reference DRN-3333692
13 Apr 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3333692 The complaint Mr B complains that Barclays Bank UK PLC trading as Barclaycard (Barclaycard) credited a refund to a debt collection agency. What happened Mr B had a Barclaycard. In October 2016, the debt was £29,860.10. Barclaycard issued a Notice of Default and the debt was so... (2 pages)View decision -
Decision Reference DRN2610730
8 Aug 2017 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Ms Z has complained about the way The Royal Bank of Scotland Plc (‘RBS’) wants to use PPI compensation it has agreed to pay her after she complained about the mis-sale of payment protection insurance (‘PPI’).backgroundMs Z took out a credit card with RBS in September 20... (2 pages)View decision -
Decision Reference DRN7867680
12 Apr 2016 Legal & General Partnership Services Limited UpheldBanking and creditThis complaint is about a mortgage arranged for Mr W and the late Mrs W by an adviser connected with Legal & General Partnership Services Limited (L&G).Mr W feels L&G didn’t provide suitable advice about debt consolidation and as a result he’s been financia... (3 pages)View decision -
Decision Reference DRN0670895
2 Sep 2015 MBNA Limited Not upheldBanking and creditMs D complains that MBNA Limited incorrectly recorded a default on her credit reference file.backgroundIn 2010 Ms D found herself in financial difficulties and approached a debt management company to help her. It sent MBNA a statement of her income and expenditure ... (2 pages)View decision -
Decision Reference DRN1565646
22 Sep 2020 Link Financial Outsourcing Limited Not upheldBanking and creditMr W complains that Link Financial Outsourcing Limited is pursuing him for three debts which he says it cannot prove are his, and about related issues.backgroundThree debts were assigned to Link Financial by third parties in 2008 and 2009. Mr W made token payments of £5 a month towards eac... (2 pages)View decision -
Decision Reference DRN9854155
26 Jan 2018 Capital One (Europe) plc UpheldPayment protection insurance (PPI)ComplaintMr C is complaining that Capital One (Europe) plc (“Capital One”) has used the compensation it offered for the mis-selling of a payment protection insurance (“PPI”) policy attached to his credit card, to reduce his outstanding debt with it.backgroundIn 2015, fol... (2 pages)View decision -
Decision Reference DRN3568087
18 Dec 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMiss L complains that a debt she has should not have been sold on.backgroundMiss L defaulted on a loan in 2011 and was taken to court by the creditor, who I’ll call company B. They subsequently obtained a charging order against her house. The debt has since been sold to various debt manage... (2 pages)View decision
