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
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Decision Reference DRN-4291587
14 Aug 2023 PayPal (Europe) Sarl et Cie SCA Not upheldBanking and PaymentsDRN-4291587 The complaint Mr A complains that PayPal (Europe) Sarl et Cie SCA (PayPal) lent to him irresponsibly. What happened In October 2016, Mr A applied for a credit account with PayPal. It was agreed with a limit of £1,000. It was defaulted in January 2020. Mr A complained. He said P... (3 pages)View decision -
Decision Reference DRN-1608058
3 Mar 2020 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-1608058The complaintMr M is unhappy Capital One (Europe) plc defaulted his account and then sold it to a debt collection company. What happenedMr M took out a credit card with Capital One in November 2006. In March 2017 Mr M’s account was passed to its collection department after he fe... (3 pages)View decision -
Decision Reference DRN6106099
15 Sep 2017 HSBC Bank plc UpheldBanking and creditMr W complains that HSBC Bank Plc is charging him interest and applying charges to a debt he accrued using an unauthorised overdraft. Mr W is being represented by his father. backgroundIn November 2016 Mr W was detained in hospital under the Mental Health Act 1983 as... (3 pages)View decision -
Decision Reference DRN-2844985
2 Jun 2021 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-2844985 The complaint Mr R complains about Lantern Debt Recovery Services Ltd trading as Lantern trying to collect a debt on a loan which he believes was sold to him irresponsibly. He wants any charges and interest refunded. And the details of the debt removed from his credit file. Wha... (2 pages)View decision -
Decision Reference DRN-3160402
17 Nov 2021 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3160402 The complaint Mr S, who is represented by Citizens Advice, complains that Creation Consumer Finance Ltd didn’t tell him he owed money and that it notified credit reference agencies of his subsequent arrears. What happened I have had a limited response from Creation and the info... (2 pages)View decision -
Decision Reference DRN4237066
23 Sep 2016 MEM Consumer Finance Limited UpheldBanking and creditMr S complains that MEM Consumer Finance Limited trading as Payday UK (“Payday UK”) wrongly recorded in his credit records that his loan was settled using a debt management plan (“DMP”). Mr S says this is incorrect and caused him to have a mortgage application decli... (2 pages)View decision -
Decision Reference DRN-3964794
28 Feb 2023 Arrow Global Limited UpheldBanking and PaymentsDRN-3964794 The complaint Mr Q complains about recovery action taken by Arrow Global Limited and its agents when seeking to recover a debt. What happened In early 2021 Mr Q received contact from solicitors acting for Arrow. The solicitors asked Mr Q to make contact and discuss arrangements... (3 pages)View decision -
Decision Reference DRN2765663
10 Sep 2013 Barclays Bank Plc Not upheldBanking and creditMrs G complains that Barclays Bank PLC told her that all her accounts with it were closed, but she later discovered that Barclays had registered adverse credit information about her in relation to a debt that she had been unaware of.backgroundMrs G says that she went into the Barclays ... (2 pages)View decision -
Decision Reference DRN-3044673
11 Nov 2021 Link Financial Outsourcing Limited UpheldBanking and PaymentsDRN-3044673 The complaint Mr R complains that Link Financial Outsourcing Limited took over management of a debt that was marked in error as defaulted as this had already been repaid. What happened Mr R is unhappy that his debt taken with his original bank defaulted. That bank decided to as... (2 pages)View decision -
Decision Reference DRN0656040
6 Aug 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr Q complains that The Royal Bank of Scotland Plc did not renew his overdraft facility. He asks that he is given the chance to repay the overdraft gradually at the same interest rate.backgroundMr Q had a business account with an overdraft facility with RBS. Mr Q’s business was affected b... (1 page)View decision
