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-3335410
24 Feb 2022 Barclays Bank UK PLC UpheldConsumer CreditDRN-3335410 The complaint Mr C is unhappy that Barclays Bank UK PLC is unwilling to write off a loan he says he ex- wife applied for in his name, without his knowledge or consent. What happened Mr C says that in August 2019 he discovered money had been transferred from his savings account ... (4 pages)View decision -
Decision Reference DRN1529436
11 Mar 2015 Next Retail Limited UpheldBanking and creditMr B complains that Next Retail Limited (“Next”) has refused to write off his debt, despite the fact that he is seriously ill. It has also transferred his debt to a third party. He further complains that Next only recorded adverse information on his credit file in 2014 rather than when... (2 pages)View decision -
Decision Reference DRN7950365
19 Feb 2018 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr H says Capital One (Europe) plc mis-sold him payment protection insurance (PPI).backgroundIn 2001 Mr H took out a credit card with Capital One. At the same time it sold him payment protection insurance. In February 2016, Capital One upheld Mr H’s complaint about the... (2 pages)View decision -
Decision Reference DRN9318320
23 Jul 2015 Arrow Global Management Limited Not upheldBanking and creditMr C is unhappy that Arrow Global Management Limited is holding him liable for a credit card account debt he says was fraudulently opened in his name.background Arrow bought Mr C’s credit card debt from a bank several years ago. Mr C says he never took out the credit ... (2 pages)View decision -
Decision Reference DRN-3704982
29 Sep 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3704982 The complaint Ms G complains that AvantCredit of UK LLC lent to her when she could not afford it. What happened Ms G’s application to AvantCredit did state that she needed the £6,000 loan in 2016 for debt consolidation. Recently AvantCredit has made submissions on that and I wi... (5 pages)View decision -
Decision Reference DRN6060950
23 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs L complain that Legal & General Partnership Services Limited gave them unsuitable advice about consolidating debts.backgroundMr and Mrs L asked for advice from Legal & General about re-mortgaging in 2010. Their fixed rate product had ended and they ... (2 pages)View decision -
Decision Reference DRN5921507
21 Apr 2015 MKDP LLP Not upheldBanking and creditMr H complains that MKDP LLP is wrong to chase him for a debt that’s unenforceable and statute barred. And he says it should remove a default from his credit file. backgroundMr H says this debt is more than six years old and time barred under the Limitation Act 1980.... (2 pages)View decision -
Decision Reference DRN9635161
19 Dec 2013 Bank of Scotland Plc Not upheldBanking and creditMr T complains that Bank of Scotland plc (trading as Halifax) sold his debt to a third party, despite having agreed to write off the debt after five years. Mr T also says the debt should be statute barred. backgroundIn 2007 Mr T’s debt was passed to Halifax’s debt recovery department. ... (1 page)View decision -
Decision Reference DRN-5751286
17 Sep 2025 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-5751286 The complaint Miss P is complaining that Brent Shrine Credit Union Limited trading as My Community Bank (MCB) lent to her irresponsibly by providing her with a personal loan. What happened In March 2024, Miss P applied for a loan with MCB. They lent her £15,000 over a four-y... (4 pages)View decision -
Decision Reference DRN2429219
19 Mar 2015 MBNA Limited Not upheldBanking and creditMr A complains that MBNA Limited registered a default on his credit file with no warning and even though he’d entered a debt management plan. He’d like MBNA to remove the default and allow him to enter a repayment plan to ensure that further defaults aren’t recor... (2 pages)View decision
