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 DRN3565594
14 Sep 2015 Baines & Ernst Limited Not upheldBanking and creditMr L had a debt management plan (DMP) with Baines & Ernst Limited. He complains that it allocated his payments to the wrong account. So a county court judgment (CCJ) was issued against his wife. And a charging order may be issued against his home.backgroundMr L a... (2 pages)View decision -
Decision Reference DRN4680242
30 Jan 2019 Next Retail Limited Not upheldBanking and creditMs D complains that Next Retail Limited won’t write-off her debt.backgroundMs D entered into a credit agreement with Next in May 2017 and Next says that she ran up a debt with purchases made in November and December 2017. It says that she contacted it about the debt ... (2 pages)View decision -
Decision Reference DRN-3553128
5 Jul 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3553128 The complaint Miss D complains through her representative that AvantCredit of UK, LLC lent her money on a high cost loan she couldn’t afford to repay. What happened AvantCredit provided Miss D with a loan of £4,000 on 18 September 2015, repayable at the monthly rate of around £... (3 pages)View decision -
Decision Reference DRN0368597
29 Apr 2014 Equidebt Limited UpheldBanking and creditMrs C complains that Equidebt Limited has pursued her for a debt that does not belong to her. Equidebt is now in administration. backgroundA debt was transferred to Equidebt in June 2012. It contacted Mrs C and asked her to make repayments to the debt. Mrs C agreed to pay £100 a mon... (2 pages)View decision -
Decision Reference DRN1673022
8 Mar 2016 HSBC Bank plc UpheldBanking and creditMr R says HSBC Bank Plc should issue a notice of satisfaction against the CCJ (county court judgment) on his current account. backgroundMr R entered into an IVA (individual voluntary arrangement) in May 2012. There was already a CCJ on his HSBC current and loan accou... (2 pages)View decision -
Decision Reference DRN-1910345
10 Jul 2020 Gain Credit LLC UpheldConsumer CreditDRN-1910345 The complaintMr W says Gain Credit LLC trading as Drafty lent to him irresponsibly. He says his financial situation was poor at the time of sale and a reasonable credit check would’ve shown this. He says if Drafty had made better checks then it wouldn’t have lent to him. What ... (3 pages)View decision -
Decision Reference DRN0762673
29 Sep 2016 Harrington Brooks (Accountants) Limited UpheldBanking and creditMrs M has complained Harrington Brooks (Accountants) Limited, trading as Harrington Brooks Debt Management, didn’t manage her debt management plan properly. She also doesn’t believe she was given the right advice when it started in 2009.Mrs M is represented by a claims m... (4 pages)View decision -
Decision Reference DRN1768900
16 Jan 2018 Northern Bank Limited Not upheldBanking and creditMr and Mrs L complain that Northern Bank Limited was unwilling to help them set up a finance plan that would have consolidated the amount outstanding on their mortgage with their unsecured debts. They are also unhappy that the interest rate on their mortgage reverte... (2 pages)View decision -
Decision Reference DRN9462039
12 Jun 2018 National Westminster Bank Plc Not upheldBanking and creditMr F complains that National Westminster Bank Plc paid a direct debit causing his business account to become overdrawn. Mr F asks that NatWest reverses the transaction and pays compensation.backgroundIn May 2017 Mr F asked NatWest to reclaim seven years of direct debit ... (3 pages)View decision -
Decision Reference DRN-3090165
26 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3090165 The complaint Mr E complains that NewDay Ltd trading as Aqua (Aqua) lent to him irresponsibly. What happened Mr E applied online for a credit card from Aqua. This was agreed in April 2019 with a limit of £900. Aqua then increased the limit to £2,150 in July 2019: Date Limit Ap... (3 pages)View decision
