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 70661 results
-
Decision Reference DRN9999907
26 Apr 2013 Clydesdale Bank Plc Not upheldBanking and creditMr M complains about charges applied to his current account; that Clydesdale Bank Plc (trading as Yorkshire Bank) added his overdraft to a loan without his knowledge and that this has caused him financial difficulties. backgroundMr M applied for a loan with weekly repayments in July 20... (1 page)View decision -
Decision Reference DRN-2797446
9 Jun 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2797446 The complaint Mr P is unhappy that Barclays Bank UK PLC, trading as Barclaycard, advised that they’d be suspending his credit account. What happened Mr P had held his Barclays credit account since 2002, but in November 2020 he received a letter from Barclays advising that they’... (3 pages)View decision -
Decision Reference DRN5450322
8 Nov 2013 Lloyds Bank PLC Not upheldBanking and creditMr K complains that Lloyds Bank plc has incorrectly used a “right of set-off” clause to take money from his personal account to repay a debt on a credit card. Mr K wants the bank to return the money – just under £3,000 – to his current account.backgroundMr K has a credit card and a curre... (2 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 DRN-3364893
13 Apr 2022 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-3364893 The complaint Mr V has complained about Lowell Portfolio I Ltd purchasing a debt which he says isn’t his. What happened This complaint is about a consumer credit account that was opened in 2017, defaulted in 2019, and was sold to Lowell in 2021. After Lowell bought the account,... (2 pages)View decision -
Decision Reference DRN8329377
5 May 2016 Drydens Limited UpheldBanking and creditThis complaint is brought by Mr R 1, Mr R 2 and Mr R 3. They are executors and beneficiaries under their father’s will. I’ll refer to them collectively as “the executors” in my decision. They complain that Drydens Limited is wrongly pursuing them for their late f... (2 pages)View decision -
Decision Reference DRN-3745316
4 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3745316 The complaint Mr H complains that NewDay Ltd trading as Marbles lent to him on his marbles and Aqua cards irresponsibly. What happened Mr H had two cards from NewDay, a marbles card (agreed in October 2016) and an Aqua card (agreed in September 2013). For simplicity, I will ref... (6 pages)View decision -
Decision Reference DRN8396729
19 Jan 2016 Arrow Global Limited UpheldBanking and creditMr T complains that Arrow Global Limited (“Arrow”) continued to demand payment of a debt even though it’s statute barred.backgroundArrow bought Mr T’s store card debt in 2011. Mr T says he hadn’t made any payments towards the debt since the end of 2005 when he fell ... (3 pages)View decision -
Decision Reference DRN-2651245
23 Apr 2021 Debt Managers (Services) Limited UpheldConsumer CreditDRN-2651245 The complaint Mr W complains that Debt Managers (Services) Limited (DMSL) is chasing him for a debt that isn’t his. What happened In November 2019 DMSL acquired a debt in the same name as Mr W. DMSL was unable to get in contact with the borrower using the details provided by t... (2 pages)View decision -
Decision Reference DRN2641562
23 Jun 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs W complain that they were mis-sold a mortgage by an authorised representative of Legal & General Partnership Services Limited (“L&G”).backgroundMr and Mrs W had a part interest only, part repayment mortgage. They were advised to re-mortgage by L&G; the new mortgag... (2 pages)View decision
