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 DRN2757113
22 Feb 2017 TSB Bank plc Not upheldBanking and creditMr C complains that TSB Bank plc sold his credit card debt to a debt collection agency.background Mr C lost his job and fell into financial difficulties. He had a significant credit card debt and in June 2016 entered into an arrangement with the bank to pay £5 per... (1 page)View decision -
Decision Reference DRN5953551
17 Aug 2015 OPOS Limited Not upheldBanking and creditMs C has complained about two loans she took out. She says the loans were unaffordable. The loans were made by another business and then sold on to OPOS Limited.backgroundThe background is set out in my provisional decision which is attached below and forms part of t... (3 pages)View decision -
Decision Reference DRN2786630
31 Mar 2014 Bank of Scotland Plc Not upheldBanking and creditMr J complains that Bank of Scotland plc is unfairly asking him to pay a debt that should have been cleared by an insurance policy he held. Mr J wants the bank to cancel the debt and for the bank to apologise and refund his costs.backgroundMr J had a loan with the bank and took out a l... (2 pages)View decision -
Decision Reference DRN8244631
19 Sep 2013 MBNA Limited Not upheldBanking and creditMr N complains that his credit record is being unfairly affected by an arrangement plan that he set up six years ago. He says he would have been better off if he had defaulted on his debt, as the default would by now, have been deleted from his records. He wants MBNA Limited to remove r... (2 pages)View decision -
Decision Reference DRN6208220
24 Sep 2013 Moorcroft Debt Recovery Limited Not upheldBanking and creditMr A complains that Moorcroft Debt Recovery Limited should not have attempted to collect an outstanding debt from him when he was in dispute with the credit provider. Mr A also says that Moorcroft should not have carried out a search on his credit file, as this has affected his abil... (2 pages)View decision -
Decision Reference DRN-3176404
23 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3176404 The complaint Mr and Mrs R are bringing this complaint on behalf of their late son, M, against NewDay Ltd (NewDay). They believe NewDay acted irresponsibly in giving M a credit card and subsequent credit increase. What happened Mr R said that NewDay agreed a credit for M in Apr... (4 pages)View decision -
Decision Reference DRN-2846778
1 Jul 2021 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-2846778 The complaint Mrs T complains that Link Financial Outsourcing Limited trading as Honours Student Loans is chasing her for a debt she doesn’t think she should have to pay. She wants it to stop chasing her for the debt. What happened Mrs T tells us that she took out a student loa... (3 pages)View decision -
Decision Reference DRN-4011595
5 May 2023 JC International Acquisition LLC UpheldConsumer CreditDRN-4011595 The complaint Mr K complains JC International Acquisition LLC (JC) have harassed him regarding a debt. What happened There are several parties involved in this complaint: C – they were the original lender JC – they are the current owners of the debt B – they are the debt col... (3 pages)View decision -
Decision Reference DRN0211377
10 Jun 2015 Microcredit Limited UpheldBanking and creditMs B complains about the charges and fees that Microcredit Limited trading as MiniCredit.co.uk added to her loan balance.backgroundMs B took out a £100 loan with Microcredit in September 2012. Shortly after borrowing the loan, she lost her job and was unable to repay th... (2 pages)View decision -
Decision Reference DRN-3547140
5 Sep 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3547140 The complaint Mr A is unhappy that Bank of Scotland plc, trading as Halifax, charged interest to his credit account during a time when he was making repayments in line with a payment plan that had been arranged by a debt charity on his behalf. What happened Mr A found himself i... (4 pages)View decision
