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 70137 results
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Decision Reference DRN3802201
17 Aug 2015 Lloyds Bank PLC Not upheldBanking and creditMr H says Lloyds Bank plc must justify the value of his outstanding loan balance that it’s sold to a third party. He’s also unhappy it can’t provide a copy of the original loan agreement. background Mr H took out a loan over 25 years ago. Lloyds’ records show what ... (2 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 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 DRN4257330
28 Jun 2013 Black Horse Limited Not upheldBanking and creditMs D complains that Black Horse Limited sold her debt from a credit agreement on to a third party, when she was maintaining an agreed repayment plan.backgroundMs D took out a credit agreement with Black Horse (then Lloyds Bowmaker) in 1998. The money was to pay for replacement windows... (2 pages)View decision -
Decision Reference DRN1144919
23 Jan 2015 HSBC Bank plc Not upheldBanking and creditMr E complains that HSBC Bank Plc did not notify him that it had removed his overdraft facility and that it recorded a default on his credit file which it has not removed despite him clearing his debt. backgroundMr E had a current account with a small overdraft limit. He did not make re... (2 pages)View decision -
Decision Reference DRN1832051
11 Mar 2021 Ccuk Finance Limited Not upheldBanking and creditMr T complains that his credit card provider, CCUK Finance Limited, sold a debt that he didn’t really owe them, to a third-party company – who’ll I’ll refer to as A. And that CCUK later delayed sending a refund he was owed on to A to clear that debt. He’s also unhappy about a default on hi... (3 pages)View decision -
Decision Reference DRN-4008395
8 Mar 2023 Erudio Student Loans Limited Not upheldConsumer CreditDRN-4008395 The complaint Mr S complains Erudio Student Loans Limited have asked him to repay a debt he doesn’t have with them – making him feel harassed and bullied into making payments. What happened Mr S has a number of loans taken out with a company I’ll refer to as S, but now managed ... (3 pages)View decision -
Decision Reference DRN2160178
11 May 2016 Debitum Limited UpheldBanking and creditMrs D complains that the debt plan she took through Debitum Limited was mis-sold and not administered properly. backgroundMrs D took a debt plan with Debitum in January 2011. She says that, at the time, she was steadily repaying her debts but that the Debitum represent... (2 pages)View decision -
Decision Reference DRN9978358
20 Jul 2015 Lloyds Bank PLC Not upheldBanking and creditMr T complains that Lloyds Bank plc held him liable for a loan that was taken out after he left the partnership that applied for it.backgroundMr T was a partner in a business that took out a loan for £17,000 in 2004. Mr T retired from the partnership in May 2005. ... (2 pages)View decision -
Decision Reference DRN-4794056
2 Jan 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4794056 The complaint Mr T complains that Barclays Bank UK PLC has pursued him for a guarantee they said he gave to support lending to his business without responding to his many requests for a copy of the signed guarantee. What happened The circumstances of this complaint are fami... (3 pages)View decision
