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 71923 results
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Decision Reference DRN-2916475
28 Jul 2021 MBNA Limited UpheldBanking and PaymentsDRN-2916475 The complaint Ms G complains that lending made to her by MBNA Limited was irresponsible. What happened Ms G said she applied for a credit card with MBNA in late 2018, when she already had a very considerable amount of debt. It offered to lend her £3,700, but she said this was n... (4 pages)View decision -
Decision Reference DRN6549765
10 Apr 2013 National Westminster Bank Plc Not upheldBanking and creditMiss R complains about the way the bank has treated her over the years, first in pursuing for the repayment of a mortgage held in her ex-partner’s name and then selling her two loans which were unaffordable.background Miss R’s ex-partner took out a mortgage with NatWest to buy the pro... (3 pages)View decision -
Decision Reference DRN-3103459
1 Dec 2021 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3103459 The complaint Miss M complained that National Westminster bank had placed markers on her credit file, relating to a small debt she didn’t know about, which were having a significant impact on her ability to borrow. She told us about the wider impact this had on her life. What h... (4 pages)View decision -
Decision Reference DRN2683566
11 Jul 2013 Santander Cards UK Limited Not upheldBanking and creditMiss F complains that Santander Cards UK Limited has wrongly issued a default notice and recorded adverse information on her account. She says she was not aware she owed the debt, but has now repaid it and would like the adverse information to be removed. backgroundMiss F held a store... (2 pages)View decision -
Decision Reference DRN8654791
1 Oct 2018 National Westminster Bank Plc Not upheldBanking and creditMr M complains that after closing his accounts, National Westminster Bank Plc registered defaults with credit reference agencies despite telling him they wouldn’t do so.backgroundMr M had a current account and a loan account with National Westminster Bank Plc (NatWest)... (3 pages)View decision -
Decision Reference DRN7467550
11 Oct 2019 PRA Group (UK) Limited Not upheldBanking and creditMr L complains that PRA Group (UK) Limited (“PRA”) pursued him for a debt he does not owe and cannot afford, pressured him into setting up a standing order to pay it, failed to send him evidence that he owed the debt, and failed to address his complaint.backgroundIn December 2017 PRA sent ... (2 pages)View decision -
Decision Reference DRN7322774
15 Oct 2013 Barclays Bank Plc Not upheldBanking and creditMiss R complains that Barclays Bank PLC has wrongly sold her debt to a debt recovery company when it agreed to write it off. backgroundMiss R got into financial difficulties with her business current account and business loan. Miss R said that she agreed with the bank in June 2010 that ... (2 pages)View decision -
Decision Reference DRN-5023691
17 Sep 2024 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-5023691 The complaint Mrs W complains that Sainsbury's Bank Plc didn’t agree to write off her debt and handled her request poorly. What happened Mrs W has a credit card account with Sainsbury’s and in January 2023 she contacted the bank to inform it of her medical condition and... (3 pages)View decision -
Decision Reference DRN-4451793
13 Nov 2023 Progressive Money Limited Not upheldConsumer CreditDRN-4451793 The complaint Miss C complains that Progressive Money Limited (‘Progressive’) irresponsibly gave her a loan that she couldn’t afford in August 2017. What happened In 2017, Miss C applied for a loan with Progressive. The loan amount was £5,000, the term was 48 months and the mon... (3 pages)View decision -
Decision Reference DRN-3359926
28 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3359926 The complaint Mr L complains NewDay Ltd irresponsibly lent him two credit cards, and a loan. What happened Mr L took out the following: Aqua credit card in May 2015 with an initial limit of £100 Marbles credit card in December 2016 with an initial limit of £600 Marbles loan ... (5 pages)View decision
