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 71745 results
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Decision Reference DRN-3982733
22 Feb 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3982733 The complaint Mr S complains Barclays Bank UK PLC trading as Barclaycard won’t let him make a payment to clear one of his credit card accounts. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant ele... (8 pages)View decision -
Decision Reference DRN2058634
14 May 2018 Link Financial Outsourcing Limited Not upheldBanking and creditMiss C complains that she’s being pursued by Link Financial Outsourcing Limited for a debt that’s unenforceable. She’s being helped with her complaint by a representative.backgroundA debt that was owed by Miss C to a third party was transferred to the current cred... (2 pages)View decision -
Decision Reference DRN6242070
14 Apr 2015 The Royal Bank of Scotland Plc UpheldBanking and creditMr and Mrs K complain that The Royal Bank of Scotland Plc mis-managed their commercial loan. They ask for compensation for their financial loss.backgroundMr and Mrs K took out a commercial loan in 2005 secured by a charge on their business premises. RBS did not tell the... (3 pages)View decision -
Decision Reference DRN-2855337
1 Dec 2021 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-2855337 The complaint Mr H complains that Clydesdale Bank Plc trading Virgin Money didn’t tell him when the promotional interest rate of his credit card came to an end. Mr H also complains that Virgin Money didn’t sent him a persistent debt letter as required. What happened Mr H opened... (2 pages)View decision -
Decision Reference DRN2163458
14 Feb 2017 Kapama Limited UpheldBanking and creditMiss P complains that Kapama Limited requires her to repay too much towards her loan.backgroundIn 2012 Miss P borrowed £220 from a payday lender. She failed to repay the debt, and the lender added fees and interest until the debt increased to over £2,000. The debt wa... (2 pages)View decision -
Decision Reference DRN-5079369
25 Feb 2025 Virgin Media Mobile Finance Limited UpheldConsumer CreditDRN-5079369 The complaint Mr M has complained Virgin Media Mobile Finance Limited is holding him liable for a credit agreement he didn’t take out. What happened In April 2024 Mr M received a letter from a debt collection agency about a debt. He complained to Virgin Media that there appe... (2 pages)View decision -
Decision Reference DRN4423815
28 Jun 2013 Bournes Limited UpheldBanking and creditMiss B complains about Bournes Limited’s, (trading as Bournes Debt Solutions) handling of her debt management plan. She has been making her payment to it regularly each month, but only a small amount of that has been used to repay her creditors.backgroundMiss B asked Bournes for help t... (2 pages)View decision -
Decision Reference DRN-4791020
22 Oct 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4791020 The complaint Mr M complains that TSB Bank Plc placed a default on his credit record after it closed his bank account. What happened In April 2023, Mr M opened an account with TSB. At the same time, he applied for an interest free arranged overdraft of £2,000. The applicatio... (3 pages)View decision -
Decision Reference DRN8087706
8 Dec 2015 Canada Square Operations Limited UpheldBanking and creditMr R complains about the customer service he has received from Canada Square Operations Limited in relation to a debt.backgroundMr R used to have a credit card and a loan with a bank. He says he was told he needed to pay £6,000 to settle both accounts in 2007. So he... (2 pages)View decision -
Decision Reference DRN-3022231
17 Sep 2021 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-3022231 The complaint Ms J and Mr J complain about the way Link Financial Outsourcing Limited managed an outstanding debt, they owe to it, since 2005, and secondly that they have unfairly been applying interest to that debt. The Link Financial Outsourcing Limited was previously called ... (5 pages)View decision
