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-5134439
20 Dec 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5134439 The complaint Mrs S complains that Barclays Bank UK PLC trading as Barclaycard (“Barclaycard”) suspended her credit card despite her making payments. She also complains that Barclaycard failed to treat her appropriately as a vulnerable customer. What happened Mrs S has a cre... (3 pages)View decision -
Decision Reference DRN-1110164
22 Apr 2020 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-1110164The complaintMrs W complains Barclays Bank UK PLC failed to remove her from a joint bank account she held with her husband. This led to her being pursued for an outstanding debt and a default notice was placed on her credit file. What happenedMrs W held a joint bank account with... (3 pages)View decision -
Decision Reference DRN-1819545
13 Jul 2020 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-1819545 The complaintMr S is unhappy about Cabot Credit Management Group Ltd (Cabot) pursuing him for a debt previously held with a bank, that he disputes is his. He is also unhappy about the delay Cabot took in responding to his request under the Consumer Credit Act. What happenedIn ... (3 pages)View decision -
Decision Reference DRN7734708
31 Mar 2016 Black Horse Limited Not upheldBanking and creditMs J complains that Black Horse Limited, (“BHL”), had provided her debt management company with incorrect information which ultimately resulted in a default being incorrectly applied to her credit file. backgroundMs J had taken a fixed sum loan with BHL in December ... (3 pages)View decision -
Decision Reference DRN5564270
10 Apr 2014 National Westminster Bank Plc Not upheldBanking and creditMr J complains that National Westminster Bank Plc agreed to accept £75,000 in settlement of his liabilities, but then went back on its word and later provided confusing and contradictory information to his solicitors. background Mr J had a mortgage loan with NatWest, and also gave a sepa... (2 pages)View decision -
Decision Reference DRN-2587417
5 Mar 2021 MBNA Limited Not upheldBanking and PaymentsDRN-2587417 The complaint Ms W is unhappy that MBNA Limited won’t acknowledge that the outstanding debt on her credit card is that of her ex-fiancé, Mr O, and that MBNA won’t transfer the debt to him. What happened Ms W opened a credit card account with MBNA in April 2015 and added Mr O as... (2 pages)View decision -
Decision Reference DRN-4602152
19 Feb 2024 Madison CF UK Limited UpheldBanking and PaymentsDRN-4602152 The complaint Mrs M complains that Madison CF UK Limited trading as 118 118 Money (“118 118”) irresponsibly agreed a credit card facility for her. What happened 118 118 opened a credit card facility with a limit of £800 for Mrs M in April 2022. Mrs M went over her account limit... (4 pages)View decision -
Decision Reference DRN-4011217
10 May 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4011217 The complaint Mr J complains that Creation Financial Services Limited failed to make a reasonable adjustment to the persistent debt payment on his credit card account when he made a lump sum payment. What happened Mr J made a significant payment to his credit card with Creation... (3 pages)View decision -
Decision Reference DRN-2943707
19 Oct 2021 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-2943707 The complaint Mrs L complains that Lantern Debt Recovery Services Ltd chased her for a debt she says had already been settled. She also complains that Lantern have breached data protection rules. What happened Mrs L had an account with a third-party lender, who I’ll refer to as... (3 pages)View decision -
Decision Reference DRN8576545
11 Dec 2014 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs C complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L & G”).backgroundMr and Mrs C had a mortgage, on a discounted interest rate with a high street lender. In 2005 L & G recommended that th... (4 pages)View decision
