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 69943 results
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Decision Reference DRN0961682
14 Oct 2015 Wescot Credit Services Limited Not upheldBanking and creditMrs F complains that Wescot Credit Services Limited says she has an outstanding debt, even though she was told in 2014 that she owed nothing.backgroundMrs F had a debt with a bank which was eventually assigned to A, a limited company. A asked R, debt collection compa... (1 page)View decision -
Decision Reference DRN8567350
9 Feb 2016 Santander UK Plc Not upheldBanking and creditMr A complains that his credit file wrongly shows a default for an overdraft that he thought Santander UK plc had written off.backgroundMr A says there was fraud on his account. He says the bank gave him an overdraft while it investigated. It later paid back to him o... (2 pages)View decision -
Decision Reference DRN-2811126
26 May 2021 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-2811126 The complaint Mrs L is unhappy that Tesco Personal Finance PLC suspended her account on the basis that Mrs L was in persistent debt. Mrs L is also unhappy that she’s still being charged monthly interest. What happened In September 2018, Mrs L received a letter from Tesco advisi... (2 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 DRN3676781
17 Oct 2014 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs F’s representative complains that they were mis-sold a mortgage by an authorised representative of Legal & General Partnership Services Limited (“L&G”).backgroundIn 2005 L&G arranged a remortgage for Mr and Mrs F. The new mortgage was for around £40,000 over nine... (3 pages)View decision -
Decision Reference DRN-4886788
28 Oct 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4886788 The complaint Mrs O complains that Monzo Bank Ltd unfairly transferred a debt to a collection agency that she says isn’t owed by her. What happened In 2020 Mrs O raised a dispute with Monzo after experiencing difficulties with an automated teller machine (ATM) cash withdrawa... (3 pages)View decision -
Decision Reference DRN2510596
19 Oct 2015 Moorcroft Debt Recovery Limited Not upheldBanking and creditMr G has a store card, the provider of which has instructed Moorcroft Debt Recovery Limited to act as its agent. Moorcroft is seeking to recover from Mr G a debt linked by the provider to this account. Mr G complains that he is being harassed by Moorcroft, and that it ... (2 pages)View decision -
Decision Reference DRN2203416
29 Nov 2018 BW Legal Services Limited Not upheldBanking and creditMr C complains about the actions of BW Legal Services Limited (“BWL”) in seeking to recover a debt from him on behalf of a client.backgroundMr C says BWL shouldn’t be chasing him for the debt while his complaint about the original lending is being considered. And h... (2 pages)View decision -
Decision Reference DRN3202647
25 Oct 2013 MBNA Limited Not upheldBanking and creditMr J is unhappy that his request to have his credit card debt written off was declined by MBNA Limited and a confusing counter offer made by it. Mr J is suffering from cancer and is unhappy that MBNA did not respond to his correspondence.background Mr J has held a credit card with MBNA si... (2 pages)View decision -
Decision Reference DRN-5191034
6 Dec 2024 Marks & Spencer Financial Services plc UpheldBanking and PaymentsDRN-5191034 The complaint Mr M complains that Marks & Spencer Financial Services Plc trading as M&S Bank gave him incorrect information about the position of his credit card debt. What happened The background to this complaint and my initial conclusions were set out in a provis... (3 pages)View decision
