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 71923 results
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Decision Reference DRN4472659
4 Apr 2017 Bank of Scotland Plc Not upheldBanking and creditT, a limited company, complains that Bank of Scotland PLC (BOS) has overcharged interest and it won’t agree to refund the amount overpaid. The complaint is brought on T’s behalf by its director, Mr T.backgroundT’s borrowing was restructured in 2006, with part of the... (2 pages)View decision -
Decision Reference DRN-2727777
28 Jun 2021 Azzurro Associates Limited Not upheldConsumer CreditDRN-2727777 The complaint Mr M complains that Azzurro Associates Limited (Azzurro) have registered a default against him. What happened Mr M took out a loan with a third-party lender. In 2019, this lender sold the debt of £3,849.56 to Azzurro. Azzurro, through third party debt collectors, ... (3 pages)View decision -
Decision Reference DRN-3982685
18 Jul 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3982685 The complaint Mr P complains that Barclays Bank UK PLC (trading as Barclaycard) sold his credit card debt to a third-party firm without taking his personal circumstances into consideration. Mr P would like Barclaycard to write his debt off. What happened Mr P opened the credit ... (2 pages)View decision -
Decision Reference DRN8441101
24 Apr 2014 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs T complain that Lloyds Bank PLC is harassing them and wrongly applying charges to their debt. They want the harassment to stop and compensation for distress. background Mr and Mrs T are in financial difficulties due to a change in their personal circumstances. They have m... (2 pages)View decision -
Decision Reference DRN9006321
11 Jul 2013 NCO Europe Limited Not upheldBanking and creditMr E complains about being asked to repay a debt by NCO Europe Limited. He believes he was harassed and is also unhappy that he did not receive anything to show that NCO Europe was authorised to collect the debt. Our service is dealing with several complaints by Mr E and I would stress t... (2 pages)View decision -
Decision Reference DRN8203146
4 Nov 2015 Mackenzie Hall Limited Not upheldBanking and creditMs M complains that Mackenzie Hall Limited (MHL) didn’t refund the £215.50 payment she made to them in respect of a payday loan account. backgroundMs M had an account with a payday lender between 2010 and 2014. The balance of this account was sold on to MHL, and then... (2 pages)View decision -
Decision Reference DRN-1686042
11 Sep 2020 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-1686042The complaintMr L complains about the way Cabot Financial (Europe) Limited (Cabot) has handled a debt it acquired in his name. What happenedMr L had a credit card with another business that was acquired by Cabot on 3 July 2017. The original lender terminated the credit agreement... (3 pages)View decision -
Decision Reference DRN-2893223
24 Jun 2021 PayPal Europe Sarl & Cie, SCA Not upheldBanking and PaymentsDRN-2893223 The complaint Mr G complains that PayPal Europe Sarl & Cie, SCA made it difficult for him to return money to PayPal which they accidently refunded him and threatened him with a debt collection agency. What happened Mr G received refunds totalling £1,150 as a result of an er... (5 pages)View decision -
Decision Reference DRN2434674
13 Feb 2014 MBNA Limited Not upheldBanking and creditMiss B complains that MBNA Limited did not tell her that the interest rate on her credit card account increased. This meant her account fell into arrears and, following default, the debt was sold to a third party and a court judgement registered against her. Miss B wants the collection ... (2 pages)View decision -
Decision Reference DRN0747651
23 Oct 2015 Lloyds Bank PLC Not upheldBanking and creditMr M complains that Lloyds Bank plc acted irresponsibly by allowing him to increase his overdraft. He also complains that Lloyds failed to refund interest and charges on his account after a debt management plan was put in place.backgroundIn late 2013 Mr M was able t... (2 pages)View decision
