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 DRN-2538453
1 Mar 2021 Debt Managers (Services) Limited UpheldConsumer CreditDRN-2538453 The complaint Mrs F complains that Debt Managers (Services) Limited continued to report an account to the credit reference agencies after it had been included in an Individual Voluntary Arrangement (IVA). She wants her credit file to be updated correctly and compensation. What ... (2 pages)View decision -
Decision Reference DRN2102426
3 Oct 2014 Black Horse Limited Not upheldPayment protection insurance (PPI)Mr W and Miss H’s complaint concerns two loans, one secured one unsecured taken with Black Horse Limited. They consider that the amount they repaid to a secured loan when settling it early was too high – and that Black Horse failed to properly explain the early settlement provisions or... (3 pages)View decision -
Decision Reference DRN6765104
17 Aug 2015 Digital Finance Services UK Limited UpheldBanking and creditMs F is concerned that Digital Finance Services Limited (DFS) is seeking to recover a debt from her, but it’s unable to explain the outstanding balance to her. She is also concerned that the initial loan of £200 has grown to an outstanding balance of over £2,000. Sh... (2 pages)View decision -
Decision Reference DRN7467550
11 Oct 2019 PRA Group (UK) Limited Not upheldBanking and creditMr L complains that PRA Group (UK) Limited (“PRA”) pursued him for a debt he does not owe and cannot afford, pressured him into setting up a standing order to pay it, failed to send him evidence that he owed the debt, and failed to address his complaint.backgroundIn December 2017 PRA sent ... (2 pages)View decision -
Decision Reference DRN9872271
27 May 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs W complain about errors and poor service from The Royal Bank of Scotland Plc (RBS) in relation to its handling of their accounts. background I will briefly summarise the background to this complaint. Mr W ran a business which unfortunately ran into financial difficulty in abou... (2 pages)View decision -
Decision Reference DRN-3359926
28 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3359926 The complaint Mr L complains NewDay Ltd irresponsibly lent him two credit cards, and a loan. What happened Mr L took out the following: Aqua credit card in May 2015 with an initial limit of £100 Marbles credit card in December 2016 with an initial limit of £600 Marbles loan ... (5 pages)View decision -
Decision Reference DRN-5023691
17 Sep 2024 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-5023691 The complaint Mrs W complains that Sainsbury's Bank Plc didn’t agree to write off her debt and handled her request poorly. What happened Mrs W has a credit card account with Sainsbury’s and in January 2023 she contacted the bank to inform it of her medical condition and... (3 pages)View decision -
Decision Reference DRN6436127
6 Feb 2015 MBNA Limited Not upheldBanking and creditMiss K complains that MBNA Limited won’t honour a settlement agreement reached before her credit card debt was sold on to a third party. backgroundMiss K contacted MBNA when she was experiencing financial difficulties. As a result, MBNA agreed to accept reduced monthly payments and wai... (2 pages)View decision -
Decision Reference DRN-4064662
14 Sep 2023 Barclays Bank UK PLC Not upheldConsumer CreditDRN-4064662 The complaint Mr A complains that Barclays Bank UK PLC (“Barclays”) chased him for payment, continued to apply interest to his loan and defaulted his account during a period of breathing space. What happened Mr A had a loan account with Barclays, which fell into arrears. He say... (3 pages)View decision -
Decision Reference DRN-1419123
25 Jul 2020 Debt Managers (Services) Limited Not upheldConsumer CreditDRN-1419123 The complaintMr B complains Debt Managers (Services) Limited (DMSL) has wrongly reported the date of a default to credit reference agencies (CRA’s). He asks for the default date to be backdated. What happenedMr B held an account with a third-party company I’ll call company “S”... (3 pages)View decision
