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-4606069
20 Mar 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4606069 The complaint Miss S complains that Barclays Bank UK PLC, trading as Barclaycard, has recorded late payments on her credit file despite her keeping to a Debt Arrangement Scheme. What happened In 2018 Miss S entered a Debt Payment Programme (DPP) under the Debt Arrangement Schem... (2 pages)View decision -
Decision Reference DRN-4102168
19 May 2023 TSB Bank plc UpheldBanking and PaymentsDRN-4102168 The complaint Mrs J and Mr J complain that TSB Bank plc (TSB) defaulted their joint account and passed it to a debt collection agency (DCA). What happened Mrs J and Mr J opened their account with TSB in 2011. By 2019, they had an overdraft limit of £3,000. They ran into financi... (5 pages)View decision -
Decision Reference DRN4831841
14 Feb 2019 Paragon Finance Plc Not upheldBanking and creditMs O is unhappy because Paragon Finance PLC continues to pursue her for payment of an outstanding debt.Although Ms O is represented in this matter by a third party, for simplicity I will just refer to Ms O.backgroundMs O had a credit card with a bank. Paragon later b... (2 pages)View decision -
Decision Reference DRN-2802595
29 Jun 2021 MBNA Limited Not upheldBanking and PaymentsDRN-2802595 The complaint Mrs M complains that MBNA Limited (MBNA) lent to her irresponsibly. What happened In June 2015, Mrs M applied for a credit card with MBNA on a balance transfer offer. This was agreed with a limit of £4200. There were two limit increases and several declined reques... (3 pages)View decision -
Decision Reference DRN-3705715
27 Oct 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3705715 The complaint Miss T complains that Everyday Lending Limited lent to her when she could not afford it. She says that Everyday Lending did not verify her financial situation properly. Miss T says that the cost of the loan was ‘excruciating’. What happened Miss T applied for and ... (7 pages)View decision -
Decision Reference DRN4540508
19 Jan 2016 MKDP LLP Not upheldBanking and creditMr H complains that MKDP LLP wrongly applied for a county court judgement (CCJ), withouttelling him, after he agreed to pay a debt.backgroundMr H explains that he got paperwork from the court explaining that MKDP had applied forjudgement for a debt. He says that he ... (2 pages)View decision -
Decision Reference DRN-3116622
17 Mar 2022 Marks & Spencer Financial Services plc Not upheldBanking and PaymentsDRN-3116622 The complaint Mr and Mrs N complain Marks & Spencer Financial Services Plc failed to comply with their request to send them copies of their credit agreements. They don’t think their debts with it are enforceable. While Mr and Mrs N bring this complaint together, I shall for... (3 pages)View decision -
Decision Reference DRN3089373
8 Feb 2017 Express Debt Solutions Limited Not upheldBanking and creditMrs and Mr E complain about the service they received from Express Debt Solutions Limited under their debt management plan.background Mrs and Mr E’s debt management plan (DMP) was set up in 2011.Mrs and Mr E complained to EDS in 2016 about the service they’d received... (2 pages)View decision -
Decision Reference DRN2297722
14 Mar 2014 Barclays Bank Plc Not upheldBanking and creditMr M complains that Barclays Bank PLC failed to update the correspondence address for a buy-to-let mortgage he held with it, when he moved home. Consequently, when the mortgage fell into arrears, due to a problem with the direct debit, Mr M did not receive the letters sent by Barclays and... (2 pages)View decision -
Decision Reference DRN3613275
1 Dec 2016 Lowell Portfolio I Ltd Not upheldBanking and creditMr B complains that Lowell Portfolio I Ltd (“Lowell”) is seeking to recover a debt from him which he says is statute barred and so irrecoverable.backgroundLowell says that in December 2012, it bought a debt which Mr B owed to a company I will call Company M. It says ... (2 pages)View decision
