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 71335 results
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Decision Reference DRN3324404
13 Sep 2017 The Mortgage Works (UK) Plc Not upheldBanking and creditMr I complains that The Mortgage Works (UK) Plc (“TMW”) is unfairly seeking payment from him for a shortfall owed after it possessed and sold six properties. He wants matters put right.backgroundMr I had a buy-to-let mortgage with TMW. It possessed and sold the propert... (2 pages)View decision -
Decision Reference DRN2152823
2 Nov 2015 Kapama Limited UpheldBanking and creditMrs C is unhappy that Kapama Limited is seeking to recover interest and charges outstanding on a loan that a payday loan provider irresponsibly granted her.backgroundMrs C took out a number of loans with a payday loan provider. It went into liquidation. The outstandin... (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 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 -
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 DRN3224688
1 Jul 2014 Capital One (Europe) plc UpheldPayment protection insurance (PPI)Mrs D’s complaint is about a regular premium payment protection insurance (PPI) policy sold to her by Capital One (Europe) plc (Capital One). Capital One has upheld her complaint but wants to use the redress owed to Mrs D to off-set against the outstanding balance on her credit card. Mr... (2 pages)View decision -
Decision Reference DRN2798034
26 Apr 2013 Clydesdale Financial Services Limited Not upheldBanking and creditsummary of complaintMr F complains that the terms of a timeshare, and the loan agreement to finance it, were misrepresented to him. He says he was told he would be able to exit all agreements after two years and that this was untrue. He also says that Barclays are wrong to continue to p... (3 pages)View decision -
Decision Reference DRN3895504
17 Mar 2015 Barclays Bank Plc Not upheldBanking and creditThis complaint is about a mortgage current account (MCA) Mr W holds with Barclays Bank Plc. That’s a current account attached to a mortgage, with an overdraft facility. The overdraft is secured by the legal charge over the mortgaged property. Mr W complains that Barc... (2 pages)View decision -
Decision Reference DRN4200345
9 May 2014 Vanquis Bank Limited Not upheldBanking and creditMrs A complains Vanquis Bank Limited was unhelpful and harassed her with phone calls when it should have written off her debt, in view of her financial difficulties. backgroundMrs A and her husband both became unemployed in 2013. Mrs A couldn’t meet her credit card repayments and contac... (2 pages)View decision -
Decision Reference DRN6778442
21 Oct 2014 National Westminster Bank Plc Not upheldBanking and creditMr A complains that National Westminster Bank Plc (“NatWest”) is wrongly pursuing him for a debt under the terms of a personal guarantee. He says the bank was aware he no longer wished to be a guarantor. He is also unhappy that the bank has asked him to repay a personal loan when his bus... (2 pages)View decision
