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 74386 results
-
Decision Reference DRN-3802078
28 Nov 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3802078 The complaint Mr W complains that Barclays Bank UK PLC lent irresponsibly when it approved his credit card and later increased the credit limit. What happened Mr W applied for a credit card with Barclays in 2016. Barclays approved the application and gave Mr W a credit card wit... (3 pages)View decision -
Decision Reference DRN-2059831
6 Aug 2020 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2059831The complaintMr M complains the Royal Bank of Scotland Plc incorrectly used funds in his current account to pay an existing credit card debt. He says RBS did this without permission or warning. What happenedMr M holds a number of accounts with RBS including a current account and... (3 pages)View decision -
Decision Reference DRN1862425
30 Dec 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs P complain that an authorized representative of Legal & General Partnership Services Limited (“L&G”) mis-sold them a mortgage.backgroundIn 2009, Mr and Mrs P were advised by L&G’s representative to take out a mortgage. The main purpose of the... (2 pages)View decision -
Decision Reference DRN2672663
27 Jul 2016 Capital One (Europe) plc UpheldBanking and creditMr H complains that Capital One (Europe) plc hasn’t recorded his account accurately with the credit reference agencies.backgroundIn line with a court consent order dated July 2013, Mr H has been paying £5 a month to repay his debt. But his payments were made via Ca... (2 pages)View decision -
Decision Reference DRN9529016
11 Feb 2016 Lloyds Bank PLC Not upheldBanking and creditMs L complains about an outstanding debt on a current account with Lloyds Bank Plc (“Lloyds”).backgroundI issued a provisional decision on this complaint in January 2016. A copy of that decision is annexed to this final decision and forms part of it. I invited the parties... (2 pages)View decision -
Decision Reference DRN1936517
12 Dec 2017 Link Financial Outsourcing Limited UpheldBanking and creditMr M complains that his credit file contains incorrect records from Link Financial Outsourcing Limited (Link) relating to a debt that is no longer being pursued. backgroundI understand that Mr M took out credit with a third party, and was unable to maintain payments on ... (2 pages)View decision -
Decision Reference DRN-2634197
16 Mar 2021 Christians Against Poverty Not upheldConsumer CreditDRN-2634197 The complaint Mr A and Mrs A complain that Christians Against Poverty (CAP) made errors in administering a debt management plan (DMP). It says this resulted in damage to their credit files. They want Christians Against Poverty to write to their creditors and accept it made mist... (5 pages)View decision -
Decision Reference DRN-3245060
14 Jan 2022 Sainsbury's Bank Plc UpheldConsumer CreditDRN-3245060 The complaint Mr K complains that Sainsbury's Bank Plc (Sainsbury’s) defaulted his loan and passed the debt to a debt collection agency. What happened Mr K had a loan from Sainsbury’s, and he was struggling to make the payments. In 2015, he fell behind with repayments. In... (4 pages)View decision -
Decision Reference DRN1170710
16 Aug 2017 AKINIKA DEBT RECOVERY LIMITED Not upheldBanking and creditMr B complains that he is being pursued by Akinika Debt Recovery Limited in respect of a debt which isn’t his.backgroundMr B is unhappy about correspondence which he has received from Akinika. He says that the debt isn’t his and he wants Akinika to stop contacting ... (2 pages)View decision -
Decision Reference DRN4752064
4 Mar 2020 The Royal Bank of Scotland Plc Not upheldBanking and creditThe Royal Bank of Scotland Plc (‘RBS’) has offered to refund some of the interest and fees it charged to Miss W’s loan because it didn’t meet its requirement under the Consumer Credit Act 1974 (‘CCA’). However, it has used the refund to reduce a debt from which Miss W was discharged when h... (4 pages)View decision
