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 76853 results
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Decision Reference DRN-4276978
9 Nov 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4276978 The complaint Mr M complains Creation Financial Services Limited haven’t defaulted his credit card with them after he fell into arrears. What happened Mr M’s let us know that from August 2018 his account was managed by a debt charity as he’d fallen into arrears on the account. ... (2 pages)View decision -
Decision Reference DRN-2587417
5 Mar 2021 MBNA Limited Not upheldBanking and PaymentsDRN-2587417 The complaint Ms W is unhappy that MBNA Limited won’t acknowledge that the outstanding debt on her credit card is that of her ex-fiancé, Mr O, and that MBNA won’t transfer the debt to him. What happened Ms W opened a credit card account with MBNA in April 2015 and added Mr O as... (2 pages)View decision -
Decision Reference DRN5242018
8 Aug 2014 Sun Lane Ltd UpheldBanking and creditMr F complains that Sun Lane Ltd did not deliver the debt adjusting service it promised him.backgroundMr F says that he told Sun Lane he would be receiving a lump sum from his divorce and he wanted to use it to settle his debts. He says that Sun Lane agreed to provide a full and final ... (3 pages)View decision -
Decision Reference DRN-4350691
9 Feb 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4350691 The complaint Mr R complains that he’s being pursued by a debt collection agency for his credit card debt from Barclays Bank UK PLC which he thought had been written off. What happened Mr R had a credit card with Barclays. In 2021 he was in some financial hardship and contacted... (3 pages)View decision -
Decision Reference DRN5120476
7 Mar 2019 Tesco Personal Finance PLC Not upheldBanking and creditMr P complains that Tesco Personal Finance PLC (Tesco) won’t accept his offer to settle his outstanding credit card debt.backgroundMr P has held a credit card with Tesco since 1999 with a limit of £4,000. In 2008 – when his credit limit had been increased – he tran... (3 pages)View decision -
Decision Reference DRN5061664
15 Jan 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs F complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L & G”).backgroundIn 2005 L & G recommended that Mr and Mrs F take a new mortgage. In doing so, they took a five year fixed rate, con... (2 pages)View decision -
Decision Reference DRN-3858512
16 Dec 2022 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3858512 The complaint Mr S1 and Mr S2 are business partners. They complain about the actions of National Westminster Bank Plc regarding the management of their loan accounts. What happened In June 2008 the partners took out three loans – which I’ll call loans 1, 2 and 3 – from NatWest ... (6 pages)View decision -
Decision Reference DRN-2943707
19 Oct 2021 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-2943707 The complaint Mrs L complains that Lantern Debt Recovery Services Ltd chased her for a debt she says had already been settled. She also complains that Lantern have breached data protection rules. What happened Mrs L had an account with a third-party lender, who I’ll refer to as... (3 pages)View decision -
Decision Reference DRN-4011217
10 May 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4011217 The complaint Mr J complains that Creation Financial Services Limited failed to make a reasonable adjustment to the persistent debt payment on his credit card account when he made a lump sum payment. What happened Mr J made a significant payment to his credit card with Creation... (3 pages)View decision -
Decision Reference DRN0153520
15 Jul 2019 TSB Bank plc Not upheldBanking and creditMs R complains about the way that TSB Bank plc has dealt with the joint account that she holds with her former husband and about the information that it’s recorded on her credit file.backgroundMs R and her former husband have a joint account with TSB which is overdrawn. Ms R and her former... (4 pages)View decision