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 DRN-5170041
16 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5170041 The complaint Miss S complains that NewDay Ltd (‘NewDay’) trading as Debenhams Mastercard, applied a default unfairly because it applied it around two years after it first issued a default notice. What happened Miss S had a NewDay branded credit card. In March 2018 she told... (3 pages)View decision -
Decision Reference DRN-3873551
20 Apr 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3873551 The complaint Miss S complains that Barclays Bank UK PLC trading as Barclaycard (‘Barclaycard’) closed her credit card account following an alleged period of persistent debt without giving her the warnings set out in the relevant guidance. What happened Miss S held a credit ca... (4 pages)View decision -
Decision Reference DRN-2275096
22 Dec 2020 Moorcroft Debt Recovery Limited Not upheldConsumer CreditDRN-2275096 The complaint Mr H complains about the way in which Moorcroft Debt Recovery Limited is chasing him for a debt. He says he feels threatened by the letters it sent him and wants it to stop its aggressive policies. What happened Mr H tells us that in January 2020 he received a let... (3 pages)View decision -
Decision Reference DRN-2538453
1 Mar 2021 Debt Managers (Services) Limited UpheldConsumer CreditDRN-2538453 The complaint Mrs F complains that Debt Managers (Services) Limited continued to report an account to the credit reference agencies after it had been included in an Individual Voluntary Arrangement (IVA). She wants her credit file to be updated correctly and compensation. What ... (2 pages)View decision -
Decision Reference DRN9718128
26 Feb 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs S complain that the advice they received from an appointed representative of Legal & General Partnership Services Limited was unsuitable. In particular, they complain that the adviser:- contacted them by making an unsolicited marketing call;- did not properly consider the... (3 pages)View decision -
Decision Reference DRN8269091
15 Mar 2016 TSB Bank plc UpheldBanking and creditMr B complains that, despite twice agreeing to remove a default from his credit file, TSB Bank plc still hasn’t done it.backgroundIn 2014 Mr B disputed some transactions on his account, which TSB refunded. It then reversed these, which took the account over its overdraft... (2 pages)View decision -
Decision Reference DRN1493007
23 Jan 2018 Bank of Scotland Plc Not upheldBanking and creditMr F complains that Bank of Scotland plc (trading as Halifax) has transferred his debt to agents to manage.backgroundMr F told us that his circumstances changed suddenly a few years ago. He agreed a repayment plan with Halifax to pay back some money he owed on a ... (4 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 DRN0080969
10 Dec 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr R complains that The Royal Bank of Scotland plc (RBS) recorded a default on his current account without telling him.backgroundMr R said he applied for a mortgage but realised RBS had recorded a default on his credit file in December 2014. He said his RBS account ... (2 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
