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-1724302
23 Apr 2020 Paragon Finance Plc Not upheldConsumer CreditDRN-1724302The complaintMr B is unhappy Paragon Finance PLC (Paragon) are contacting him in pursuit of a debt it says he owes, despite it not having a copy of the credit agreement for the original borrowing. What happenedIn 1999 Mr B took out a hire purchase agreement for a vehicle. After ... (2 pages)View decision -
Decision Reference DRN-2927209
24 Aug 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2927209 The complaint Mr H complains about a decision by National Westminster Bank Plc (“Nat West”) to close a credit card account he had with them due to it being in persistent debt. What happened The details of this complaint are well known to both parties, so I won’t repeat them aga... (2 pages)View decision -
Decision Reference DRN6788184
27 Jan 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMr T complains that Lowell Portfolio I Limited (“LPL”) failed to register and acknowledge his complaint to it.background Mr T had a credit card debt with a third party (“D”). D defaulted his account in November 2006. LPL bought the debt from D in 2008. It wrote to Mr T several times in 2... (2 pages)View decision -
Decision Reference DRN-2810357
28 Jun 2021 Marks & Spencer Financial Services plc Not upheldBanking and PaymentsDRN-2810357 The complaint Miss M believes that Marks & Spencer Financial Services plc (trading as M&S Bank) have wrongly classified her credit card account as being in persistent debt. She says that they’re unfairly coercing her into either setting up a repayment plan or applying f... (4 pages)View decision -
Decision Reference DRN6128061
19 Dec 2013 Barrington Lewis Limited UpheldBanking and creditMr H complains that Barrington Lewis Limited failed to distribute his payments to his creditors as agreed.backgroundIt appears Mr H entered into a combined claims management and debt management agreement with Bankfair Limited at the beginning of 2010. A full copy of the signed agreement... (4 pages)View decision -
Decision Reference DRN1531665
18 Jan 2018 OPOS Limited Not upheldBanking and creditMiss B complains that a loan she took out with Minicredit that was transferred to Opus Limited (Opus), when Minicredit went into administration was irresponsibly lent and that the charges and interest that have accrued should be refunded to her.background Miss B took ... (3 pages)View decision -
Decision Reference DRN-2916616
15 Jul 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2916616 The complaint Mrs S complains that Barclays Bank Plc trading as Barclaycard (Barclaycard) lent to her irresponsibly. Mrs S is represented by Mr S, her husband. What happened Mrs S had a credit card from Barclaycard from 2012. Between 2013 and 2018, her credit limit was increase... (4 pages)View decision -
Decision Reference DRN6480812
3 Sep 2018 HSBC Bank plc Not upheldBanking and creditMr and Mrs A complain that HSBC Bank Plc closed their account.backgroundMr and Mrs A told us that HSBC closed the account that they’d had for many years. They said this was costing them a lot of money. Mr and Mrs A also said that HSBC had passed their debt to colle... (6 pages)View decision -
Decision Reference DRN5681793
27 Dec 2017 HSBC Bank plc Not upheldBanking and creditMiss J complained about overdraft charges on her account with HSBC Bank Plc. She wants a refund of the charges, going back for the last six years.backgroundIn September 2017, Miss J wrote to HSBC about the overdraft charges on her account. She said she’d had several me... (2 pages)View decision -
Decision Reference DRN2483530
6 Oct 2017 Barclays Bank Plc Not upheldBanking and creditMr E complains about the conduct of Barclays Bank Plc in relation to a debt it acquired and then sold. He says he did not know that he ever owed anything to the bank.backgroundBarclays bought Mr E’s credit card debt from another company in 2008. Mr E raises compl... (2 pages)View decision
