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 77095 results
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Decision Reference DRN1237549
20 Sep 2017 Lending Stream Llc UpheldBanking and creditMr H complains that Lending Stream LLC, (“LSL”), is unfairly pursuing him for a debt he has already paid it. backgroundMr H had three outstanding loans with LSL between August 2013 and May 2015. When he suffered financial difficulties, he made sporadic repayments to L... (2 pages)View decision -
Decision Reference DRN4901120
26 Nov 2019 Arrow Global Limited Not upheldBanking and creditMiss H complains that Arrow Global Limited (Arrow) should’ve registered a default on her credit file in March 2012 rather than September 2013 as they’ve now decided. She would like them to backdate the default to March 2012, remove it from the credit file and mark the debt as settled. back... (3 pages)View decision -
Decision Reference DRN-3701817
4 Oct 2022 PayPal (Europe) Sarl et Cie SCA Not upheldBanking and PaymentsDRN-3701817 The complaint Mrs A complains about the actions of PayPal (Europe) Sarl et Cie SCA with respect to a negative balance on her account. What happened In early 2022, Mrs A made a payment to a travel company via PayPal. She says the money was transferred from her linked bank accoun... (4 pages)View decision -
Decision Reference DRN3827903
3 Mar 2016 The Co-operative Bank Plc Not upheldBanking and creditMr A complains that The Co-operative Bank Plc (“Co-op”) sold his debt, and won’t buy it back. backgroundMr A held a credit card account with Co-op, on which he defaulted. A five-year repayment plan was then agreed, subject to periodic review, at the end of which Co-o... (2 pages)View decision -
Decision Reference DRN9438111
15 Oct 2020 National Westminster Bank Plc Not upheldBanking and creditMr A complains that National Westminster Bank Plc did not allow him sufficient opportunity to reach a repayment arrangement for his borrowing before it appointed a debt collector. background Mr A had personal accounts with NatWest with an overdraft. He also had business borrowing which is ... (3 pages)View decision -
Decision Reference DRN-2924361
16 Nov 2021 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-2924361 The complaint Mr S, trading as C, complained that Lloyds Bank PLC (Lloyds) failed to correctly apply two business loan PPI refunds to reduce the debt outstanding to it. What happened Mr S, trading as C, had two business loans with Lloyds. In 2012, Mr S complained about the PPI ... (3 pages)View decision -
Decision Reference DRN-3407957
7 Jun 2023 Home Retail Group Card Services Limited Not upheldConsumer CreditDRN-3407957 The complaint Mrs W complains that Home Retail Group Card Services Limited (trading as Argos Financial Services) reported missed payments on her credit file. What happened Mrs W had a catalogue shopping account with Argos. In August 2015 Mrs W entered a debt management plan wit... (2 pages)View decision -
Decision Reference DRN6669493
22 May 2019 Barclays Bank UK PLC Not upheldBanking and creditMr L complains that Barclays Bank UK Plc treated him unfairly in relation to some business loans. He asks that Barclays accepts his settlement offer.backgroundMr L had a current account and two business loans with Barclays. He says Barclays didn’t contact him for more ... (3 pages)View decision -
Decision Reference DRN6529843
15 Dec 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr and Mrs H complain that they weren’t provided with satisfactory information about their debt management plan (“DMP”), which was sold to them by a third party (“T”). The DMP was then passed to Harrington Brooks (Accountants) Limited, trading as Harrington Brooks Deb... (3 pages)View decision -
Decision Reference DRN-3027679
4 Oct 2021 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3027679 The complaint Mr B is unhappy that Lloyds Bank PLC sent him a letter advising that his account is considered as being in a state of persistent debt. What happened Mr B received a letter from Lloyds which stated that his account was considered as being in a state of persistent d... (2 pages)View decision