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 DRN5715378
27 Mar 2015 Lloyds Bank PLC UpheldBanking and creditMr B complains that Lloyds Bank PLC recorded incorrect information on his credit file.backgroundMr B says Lloyds recorded incorrect information on his credit file about three accounts:1)His credit card account – this was partially satisfied in May 2010 when a £1,... (2 pages)View decision -
Decision Reference DRN8092863
15 Apr 2019 Arrow Global Limited Not upheldBanking and creditMrs B complains about Arrow Global Limited’s handling of a debt they say she owes them. backgroundMrs B is represented in this complaint, but for ease I’ll refer to Mrs B below when describing the actions of her or her representative.Mrs B took out a credit card ac... (3 pages)View decision -
Decision Reference DRN3891806
20 Feb 2015 National Westminster Bank Plc UpheldPayment protection insurance (PPI)Mrs A’s complaint is about how National Westminster Bank Plc (Nat West) used the compensation it offered for her complaint about two mis-sold payment protection insurance (PPI) policies. Mrs A wants Nat West to pay all the compensation directly to her.backgroundMrs A complained to Nat We... (4 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-2519983
10 Mar 2021 NRAM Limited UpheldMortgagesDRN-2519983 The complaint Ms F and Mr P complain that NRAM Limited wrongly recorded missed payments on their credit files. They that it corrects their credit files and pays compensation. What happened Ms F and Mr P had a mortgage with NRAM. They were in financial difficulties and entered i... (2 pages)View decision -
Decision Reference DRN-2864019
8 Jun 2021 Equifax Limited Not upheldConsumer CreditDRN-2864019 The complaint Mrs P has complained that Equifax Limited gave her address to a debt collector. What happened In 2020, a debt collector contacted Mrs P about an old account, and told her they got her address from Equifax. Mrs P complained. She explained she was worried that if Eq... (2 pages)View decision -
Decision Reference DRN9283944
30 Jan 2017 TSB Bank plc Not upheldBanking and creditMiss E complains that TSB Bank plc recorded default on her credit file.backgroundIn May 2014 after TSB and Lloyds split Miss E elected to move her account away from TSB. Miss E has made a separate complaint about the transfer of her account and I am only addressin... (2 pages)View decision -
Decision Reference DRN8023327
26 Feb 2014 Santander UK Plc Not upheldBanking and creditMr and Mrs W complain that Santander UK plc (then Alliance & Leicester) made an error and provided them with a £25,000 overdraft instead of the agreed £2,500. They have spent the overdraft and say that Santander should be partially liable for their debt because of its error.backg... (2 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 DRN-4599587
5 Feb 2024 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-4599587 The complaint Mr A has complained about the way Creation Consumer Finance Limited (“Creation”) administered a hire purchase agreement he’d taken out to acquire a car. What happened The circumstances of the complaint are well known to the parties so I’m not going to go over ever... (3 pages)View decision
