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 74386 results
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Decision Reference DRN2457885
9 May 2017 Paragon Finance Plc Not upheldBanking and creditMr C complains Paragon Finance PLC trading as Moorgate Loan Servicing (“Moorgate”) are reporting incorrect information for his account to Credit Reference Agencies (CRA’s).backgroundIn September 2012 Moorgate bought Mr C’s account from another bank. That account, whilst w... (2 pages)View decision -
Decision Reference DRN4393538
4 Jun 2014 Barclays Bank Plc Not upheldBanking and creditMr F complains that Barclays Bank Plc trading as Barclaycard did not stand by its offer to settle his credit card debt. backgroundMr F found himself in financial difficulties and fell into arrears with his credit card. In 2011 he entered into an arrangement with Barclaycard to make small... (1 page)View decision -
Decision Reference DRN9683812
6 Jun 2019 Capital One (Europe) plc Not upheldBanking and creditMrs E complains about the way Capital One (Europe) plc tried to recover a credit card debt from her. Mrs E says Capital One instructed four different debt collection businesses at the same time and that they sent private information to an unrelated address. Mrs E also... (3 pages)View decision -
Decision Reference DRN3036055
15 Mar 2016 Cabot Financial (Europe) Limited Not upheldBanking and creditMrs M complains that Cabot Financial (Europe) Limited is asking her to repay a debt which has been written off. It also started court proceedings when it knew she was disputing the debt. She is assisted in her complaint by her husband, Mr M. backgroundMrs M held ... (3 pages)View decision -
Decision Reference DRN5761574
7 Sep 2015 MKDP LLP Not upheldBanking and creditMr N complains that MKDP LLP is wrongly pursuing him for a debt which isn’t his and has continued to chase him to repay the debt after he complained.backgroundMr N says that MKDP are chasing him to repay a credit card debt that he doesn’t owe. He says that MKDP ha... (1 page)View decision -
Decision Reference DRN2572109
22 Jun 2015 Canada Square Operations Limited Not upheldBanking and creditMrs H complains that Canada Square Operations Limited went back on a deal it made with her. She says it agreed to accept £2,000 in full and final settlement of her debt. But it then sold on the debt – most likely as a result of an administrative mistake on its... (2 pages)View decision -
Decision Reference DRN0759312
13 Aug 2014 Wescot Credit Services Limited Not upheldBanking and creditMr A complains about the debt collection activities of Wescot Credit Services Limited (“Wescot”) in relation to money owed to a third party bank – (“the lender”). He is dissatisfied that Wescot did not contact him after he contacted it, leading him to assume the debt had been written o... (3 pages)View decision -
Decision Reference DRN9749583
31 Mar 2014 Santander Cards UK Limited Not upheldBanking and creditMiss K opened a store credit card account administered by Santander Cards UK Limited in December 2010. She later experienced financial difficulties and the account fell into arrears. She agreed a payment arrangement with Santander in November 2011. Miss K complains that Santander sold... (2 pages)View decision -
Decision Reference DRN8569635
19 Jun 2018 Shop Direct Finance Company Limited Not upheldPayment protection insurance (PPI)Miss M isn’t happy with how Shop Direct Finance Company Limited (‘Shop Direct’) has offered to resolve her complaint about a payment protection insurance (‘PPI’) policy attached to a store card.backgroundMiss M took out a store card and at the same time was sold a P... (2 pages)View decision -
Decision Reference DRN-4678446
15 May 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-4678446 The complaint Miss E has complained Nationwide Building Society pressured her into making payments towards her debt and set up a special arrangement leaving her with markers on her credit record. What happened In 2017 Miss E was asked by Nationwide to reduce her overdraft. She ... (2 pages)View decision
