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 70772 results
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Decision Reference DRN6085022
8 Jun 2017 MBNA Limited Not upheldBanking and creditMs K complains that MBNA Limited has reported a default on her credit card in 2012 incorrectly. She also says it failed to update her address details.backgroundMs K had a credit card with MBNA. She found herself in financial difficulties in early 2012 and made n... (2 pages)View decision -
Decision Reference DRN3631501
19 Sep 2017 HSBC Bank plc Not upheldBanking and creditMs S complains that HSBC Bank is pursuing her for money she doesn’t owe.backgroundMs S had an attachment of earnings order on her wages, which meant that money was taken directly from her salary to pay off a debt from a loan she took out with HSBC many years ago. ... (2 pages)View decision -
Decision Reference DRN-4218833
31 Jul 2023 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4218833 The complaint Miss B has complained Creation Consumer Finance Limited (Creation) is holding her liable for a credit agreement she doesn’t recognise. What happened Miss B is unhappy Creation is holding her liable for a credit agreement. Miss B acknowledges she had a credit agree... (3 pages)View decision -
Decision Reference DRN6788184
27 Jan 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMr T complains that Lowell Portfolio I Limited (“LPL”) failed to register and acknowledge his complaint to it.background Mr T had a credit card debt with a third party (“D”). D defaulted his account in November 2006. LPL bought the debt from D in 2008. It wrote to Mr T several times in 2... (2 pages)View decision -
Decision Reference DRN-2927209
24 Aug 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2927209 The complaint Mr H complains about a decision by National Westminster Bank Plc (“Nat West”) to close a credit card account he had with them due to it being in persistent debt. What happened The details of this complaint are well known to both parties, so I won’t repeat them aga... (2 pages)View decision -
Decision Reference DRN3843455
13 Feb 2019 Lantern Debt Recovery Services Ltd Not upheldBanking and creditMs R complains that she’s being chased for payment of a debt by Lantern Debt Recovery Services Ltd (trading as ‘MMF’) that she says she doesn’t owe.backgroundMMF contacted Ms R about an outstanding debt on three cash loans that she took out with a third party in 2... (2 pages)View decision -
Decision Reference DRN4045313
10 Dec 2015 1st Credit Limited Not upheldBanking and creditMr I complains that 1st Credit Limited is harassing him for payment despite him explaining the debt is in dispute.backgroundMr I says that he is in dispute about his debt and that because of this the original owner should not have sold it to 1st Credit. He says that ... (2 pages)View decision -
Decision Reference DRN7890305
26 May 2016 PRA Group (UK) Limited UpheldBanking and creditMr B complains that PRA Group (UK) Limited (the business) is pursuing him for repayment of a debt which is not his. He complains that he has contacted the business many times about this but not received any replies.backgroundMr B complains that the business is chasing hi... (2 pages)View decision -
Decision Reference DRN3464872
12 Jul 2019 National Westminster Bank Plc UpheldBanking and creditMrs M complains about National Westminster Bank Plc (“NatWest”) for issuing a loan to her in early 2016. She says that she was struggling financially at the time and that NatWest encouraged her to take a loan which she could not realistically afford. She wants the loan to be marked as unre... (2 pages)View decision -
Decision Reference DRN0678742
10 Dec 2015 Motormile Finance UK Limited UpheldBanking and creditMr R complains about Motormile Finance UK Limited’s customer service. He says its contact with him has been excessive and aggressive. background Motormile is a debt collector. It has bought a number of Mr R’s debts. Mr R complains about Motormile’s contact with him. H... (2 pages)View decision
