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 DRN4471596
18 Apr 2016 Vanquis Bank Limited UpheldBanking and creditMr A complains that Vanquis Bank Limited unfairly recorded a default on his account and arranged unnecessary debt collection activity. background Mr A was having payment difficulties. Vanquis sent him an email in August 2015 offering him a payment plan. If he kept t... (2 pages)View decision -
Decision Reference DRN9759538
12 Jun 2018 Clydesdale Bank Plc Not upheldBanking and creditMr A complains that Clydesdale Bank Plc sold his debt to a third party company without telling him and is concerned that may affect his credit file. He also complains about how he was dealt with when he tried to speak to Clydesdale about this.backgroundMr A’s loan acc... (2 pages)View decision -
Decision Reference DRN0874546
6 Apr 2016 LRUK (RETAIL) LIMITED UpheldBanking and creditMrs M complains that LRUK (RETAIL) LIMITED (trading as La Redoute) has not been treating her reasonably regarding arrears on her catalogue shopping account.backgroundBy 2010 Mrs M owed about £1,500 on the account and told La Redoute she was in financial difficulties. The ... (2 pages)View decision -
Decision Reference DRN5663069
23 Jun 2016 Shop Direct Finance Company Limited Not upheldBanking and creditMr W complains, in summary, that Shop Direct Finance Company Limited, trading as very,won’t agree to write off his account balance, and that it contacted his Victim Support Officerwithout his knowledge and consent.background Mr W opened a credit account with very in Sep... (4 pages)View decision -
Decision Reference DRN9515129
6 May 2014 Firstplus Financial Group Plc Not upheldBanking and creditMr and Mrs F complain that their secured loan with Firstplus Financial Group Plc (Firstplus) was unsuitable to their circumstances because it extended beyond state retirement age.backgroundMr and Mrs F took out a secured loan for £60,000 over a term of 168 months with Firstplus through... (2 pages)View decision -
Decision Reference DRN0914938
30 Jul 2013 Barclays Bank Plc Not upheldBanking and creditMr C complains that Barclays Bank PLC, trading as Barclaycard, is pursuing him for repayment of an outstanding debt which he disputes. backgroundMr C says Barclaycard cannot provide a copy of a credit card agreement, meaning the debt is unenforceable. He wants the bank to remove the a... (1 page)View decision -
Decision Reference DRN0814982
17 Sep 2019 Barclays Bank UK PLC UpheldBanking and creditMr M is unhappy that Barclays Bank UK PLC is reporting a mortgage shortfall debt on his credit file. Mr M says that the mortgage account (and the Mortgage Current Account - MCA) were both included in his Individual Voluntary Arrangement (IVA). The mortgage account was in the joint names of... (3 pages)View decision -
Decision Reference DRN1582780
4 Sep 2015 Link Financial Outsourcing Limited Not upheldBanking and creditMrs C complains that Link Financial Outsourcing Limited registered adverse information on her credit file using a credit card number she knows nothing about. And it misled her and didn’t deal with her complaint within a reasonable time. background In 2013 Mrs C asked L... (2 pages)View decision -
Decision Reference DRN9998630
22 May 2017 UKMS Money Solutions Limited Not upheldBanking and creditMr and Mrs B complain that UKMS Money Solutions Limited mis-sold them a debt management plan. They also complain that it failed to make payments to one of their debtors which led to a county court judgement (“CCJ”) against Mrs B.background Mr and Mrs B entered into ... (2 pages)View decision -
Decision Reference DRN0271491
27 Jul 2016 Arrow Global Limited Not upheldBanking and creditMiss B complains that Arrow Global Limited is wrongly recording on her credit file information about a debt she has.backgroundMiss B had a debt on a catalogue account which was assigned to Arrow Global in 2012. Along with some other debts, she had begun paying it ... (3 pages)View decision
