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 70661 results
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Decision Reference DRN4076246
23 Oct 2015 Lloyds Bank PLC Not upheldBanking and creditMr A complains that he has made an overpayment to Lloyds Bank PLC on his original credit agreement and he disputes the amount he owes.background Mr A had two loan accounts and a current account overdraft. These defaulted and he has made repayments under a debt managemen... (2 pages)View decision -
Decision Reference DRN-5379030
7 Mar 2025 NCO Europe Limited UpheldConsumer CreditDRN-5379030 The complaint Miss C complains NCO Europe Limited are responsible for a default related to her debt that was applied to her credit file. What happened Miss C originally had an account with a company I’ll refer to as V. Miss C unfortunately got into some difficulties, and she... (2 pages)View decision -
Decision Reference DRN5715378
27 Mar 2015 Lloyds Bank PLC UpheldBanking and creditMr B complains that Lloyds Bank PLC recorded incorrect information on his credit file.backgroundMr B says Lloyds recorded incorrect information on his credit file about three accounts:1)His credit card account – this was partially satisfied in May 2010 when a £1,... (2 pages)View decision -
Decision Reference DRN-4137126
17 May 2023 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4137126 The complaint Ms X complains that as a vulnerable customer, she wasn’t treated fairly by Clydesdale Bank Plc trading as Virgin Money (Virgin). What happened Ms X had a credit card from Virgin. The limit was £14,300 and in March 2020, the balance was £12,980.53 debit. M... (6 pages)View decision -
Decision Reference DRN5120476
7 Mar 2019 Tesco Personal Finance PLC Not upheldBanking and creditMr P complains that Tesco Personal Finance PLC (Tesco) won’t accept his offer to settle his outstanding credit card debt.backgroundMr P has held a credit card with Tesco since 1999 with a limit of £4,000. In 2008 – when his credit limit had been increased – he tran... (3 pages)View decision -
Decision Reference DRN5242018
8 Aug 2014 Sun Lane Ltd UpheldBanking and creditMr F complains that Sun Lane Ltd did not deliver the debt adjusting service it promised him.backgroundMr F says that he told Sun Lane he would be receiving a lump sum from his divorce and he wanted to use it to settle his debts. He says that Sun Lane agreed to provide a full and final ... (3 pages)View decision -
Decision Reference DRN-2633416
26 Feb 2021 Arrow Global Limited UpheldConsumer CreditDRN-2633416 The complaint Mr B complains that Arrow Global Limited is attempting to collect a debt that he was told had been written off. What happened The background to this complaint and my initial conclusions were set out in my provisional decision dated 26 January 2021. In my provision... (3 pages)View decision -
Decision Reference DRN8628429
31 Jul 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr D is unhappy that Lloyds TSB Bank Plc contacted a third party debt collector and disclosed information about him. He complains that Lloyds TSB provided this information after obtaining it incorrectly. background Mr D is unhappy that a debt collector contacted a third party and gave the... (1 page)View decision -
Decision Reference DRN-2519983
10 Mar 2021 NRAM Limited UpheldMortgagesDRN-2519983 The complaint Ms F and Mr P complain that NRAM Limited wrongly recorded missed payments on their credit files. They that it corrects their credit files and pays compensation. What happened Ms F and Mr P had a mortgage with NRAM. They were in financial difficulties and entered i... (2 pages)View decision -
Decision Reference DRN7834906
27 Jan 2015 Bank of Scotland Plc UpheldBanking and creditMr E complains that Bank of Scotland plc (trading as Capital Bank) (“Capital Bank”), passed on a debt to a third party for collection that he did not owe. This has affected his credit rating and he wants compensation.backgroundMr E has been pursued for 5 years for a debt he doesn’t ow... (2 pages)View decision
