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 77095 results
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Decision Reference DRN0383169
4 Sep 2014 MBNA Limited Not upheldBanking and creditMr F complains, after he orally agreed with MBNA Limited to make a lump sum payment in settlement of his credit card debt, MBNA failed to confirm that agreement to his satisfaction in writing. And whilst he was trying to get written confirmation it sold his debt. Mr F also complains M... (3 pages)View decision -
Decision Reference DRN5193181
20 Dec 2016 Debt Advisory Line Limited Not upheldBanking and creditMr and Mrs L complain that Debt Advisory Line Limited (DAL) sold them a debt management plan which was not suitable for them. They also complain that they were not told they could receive free debt advice elsewhere.Mr and Mrs L bring their complaint through their repre... (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-2347508
8 Mar 2021 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2347508 The complaint Mr B has complained that Cabot Credit Management Group Limited are chasing him for a debt that he doesn’t recognise and for which they don’t have the original agreement. What happened This complaint is about an unsecured bank loan from 1998, which defaulted and wa... (2 pages)View decision -
Decision Reference DRN6394035
29 Oct 2013 Hillesden Securities Limited Not upheldBanking and creditMrs E wants Hillesden Securities Limited to discontinue collection activity on a debt she says is unenforceable. Mrs E also says Hillesden has harassed her. Mrs E is represented in this complaint by Mr J. References to Mrs E should be taken to include submissions made by her representa... (2 pages)View decision -
Decision Reference DRN9081055
10 Jul 2015 National Westminster Bank Plc Not upheldBanking and creditMr S feels that National Westminster Bank Plc (Natwest) hasn’t treated him fairly over a fraudulent account set up in his name and the issues stemming from it. backgroundMr S was written to by a debt recovery company and informed of a debt he’d never heard of in ... (2 pages)View decision -
Decision Reference DRN2510596
19 Oct 2015 Moorcroft Debt Recovery Limited Not upheldBanking and creditMr G has a store card, the provider of which has instructed Moorcroft Debt Recovery Limited to act as its agent. Moorcroft is seeking to recover from Mr G a debt linked by the provider to this account. Mr G complains that he is being harassed by Moorcroft, and that it ... (2 pages)View decision -
Decision Reference DRN6470569
6 Apr 2017 MKDP LLP Not upheldBanking and creditMr B complains that there was no contract between MKDP LLP and himself, and that MKDP sold his debt onto a party (“C”) that wasn’t regulated by the Financial Conduct Authority (“FCA”).backgroundMr B had a current account with a bank (“H”). He said that H had failed t... (2 pages)View decision -
Decision Reference DRN1964220
29 Jul 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs B complain that the appointed representative of Legal & General Partnership Services Limited mis-sold them a mortgage that was not suitable for their needs.backgroundMr and Mrs B met with an appointed representative of Legal and General in 2006. At that stage they had... (1 page)View decision -
Decision Reference DRN-5960799
28 Nov 2025 MBNA Limited Not upheldBanking and PaymentsDRN-5960799 The complaint Mr D complains that MBNA Limited trading as MBNA (“MBNA”) failed to remove a debt from his credit file despite him offering a cheque to settle his credit card account, which they cashed. What happened In November 2023, Mr D sent MBNA a letter enclosing a cheque... (2 pages)View decision