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 71155 results
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Decision Reference DRN1487274
31 Jul 2013 Mackenzie Hall Limited Not upheldBanking and creditMr D complains that Mackenzie Hall Limited (“Mackenzie Hall”) has wrongly pursued him for a debt which he says he does not owe. He says he has been the victim of stolen identity and would like the business to stop contacting him about the debt. Mackenzie Hall had the debt referred to it... (1 page)View decision -
Decision Reference DRN6083560
8 Oct 2013 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs J complain that Bank of Scotland plc (Halifax) mis-sold them a further advance on their mortgage of around £15,000 in 2009. They complain that they were unaware of the amount of the loan and that it was unsuitable for them to change unsecured lending into lending secured... (5 pages)View decision -
Decision Reference DRN-3380861
21 Jun 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3380861 The complaint Ms F complains about AvantCredit of UK, LCC (“AC”) and their decision to provide her with a high-interest loan which she was unable to afford. What happened In February 2017, Ms F applied for a high-interest loan with AC. This application was approved, and Ms F wa... (4 pages)View decision -
Decision Reference DRN0961682
14 Oct 2015 Wescot Credit Services Limited Not upheldBanking and creditMrs F complains that Wescot Credit Services Limited says she has an outstanding debt, even though she was told in 2014 that she owed nothing.backgroundMrs F had a debt with a bank which was eventually assigned to A, a limited company. A asked R, debt collection compa... (1 page)View decision -
Decision Reference DRN-3873551
20 Apr 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3873551 The complaint Miss S complains that Barclays Bank UK PLC trading as Barclaycard (‘Barclaycard’) closed her credit card account following an alleged period of persistent debt without giving her the warnings set out in the relevant guidance. What happened Miss S held a credit ca... (4 pages)View decision -
Decision Reference DRN-5170041
16 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5170041 The complaint Miss S complains that NewDay Ltd (‘NewDay’) trading as Debenhams Mastercard, applied a default unfairly because it applied it around two years after it first issued a default notice. What happened Miss S had a NewDay branded credit card. In March 2018 she told... (3 pages)View decision -
Decision Reference DRN-3875174
29 Dec 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3875174 The complaint Mr M complains that NewDay Ltd trading as Fluid irresponsibly approved his credit card account and later increased the credit limit to unaffordable levels. What happened Mr M says he applied for the Fluid account in January 2020. He says at the time he was in abou... (2 pages)View decision -
Decision Reference DRN-2275096
22 Dec 2020 Moorcroft Debt Recovery Limited Not upheldConsumer CreditDRN-2275096 The complaint Mr H complains about the way in which Moorcroft Debt Recovery Limited is chasing him for a debt. He says he feels threatened by the letters it sent him and wants it to stop its aggressive policies. What happened Mr H tells us that in January 2020 he received a let... (3 pages)View decision -
Decision Reference DRN3212969
18 Jul 2016 1st Credit Limited UpheldBanking and creditMr and Mrs B complain that 1st Credit Limited (the business) is pursuing them for a debt they say is statute barred. They say that they have been given incorrect information about the timing for a debt being statute barred and given different information about the ... (3 pages)View decision -
Decision Reference DRN6431038
27 Mar 2015 Lloyds Bank PLC Not upheldBanking and creditMr E complains that Lloyds Bank PLC (“the bank”) allowed him to become a victim of identity fraud, and that he should be fully compensated for this.background In 2012 Mr E was chased for debts, which brought him to realise that somebody had stolen his identity and take... (2 pages)View decision
