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
-
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 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 DRN5570008
20 Dec 2013 Lloyds Bank PLC Not upheldBanking and creditOn behalf of Mr E, his father complains that Lloyds Bank Plc (previously Lloyds TSB Bank Plc) was irresponsible in increasing Mr E’s overdraft limit on a number of occasions, and in agreeing to issue him with a credit card. Mr E’s debts have since been repaid, but his father wants the ba... (2 pages)View decision -
Decision Reference DRN-4865418
24 Jun 2024 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-4865418 The complaint Mr B complains that Brent Shrine Credit Union Limited trading as My Community Bank was irresponsible in its lending to him. He wants all interest fees and charges removed from his loan so that he is only liable for repaying the amount borrowed. What happened Mr B ... (5 pages)View decision -
Decision Reference DRN1643031
16 Jun 2015 Portfolio Recovery Associates U.K. Ltd Not upheldBanking and creditMs D complains that Portfolio Recovery Associates U.K. Ltd (PRA) have wrongly registered a default on her credit file.backgroundMs D fell into financial difficulties with a loan and in August 2011 a default was issued by the lender. Unfortunately, Ms D did not receive ... (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 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 DRN6788184
27 Jan 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMr T complains that Lowell Portfolio I Limited (“LPL”) failed to register and acknowledge his complaint to it.background Mr T had a credit card debt with a third party (“D”). D defaulted his account in November 2006. LPL bought the debt from D in 2008. It wrote to Mr T several times in 2... (2 pages)View decision -
Decision Reference DRN-2927209
24 Aug 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2927209 The complaint Mr H complains about a decision by National Westminster Bank Plc (“Nat West”) to close a credit card account he had with them due to it being in persistent debt. What happened The details of this complaint are well known to both parties, so I won’t repeat them aga... (2 pages)View decision -
Decision Reference DRN4482141
29 Oct 2014 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr A’s complaint is that Capital One (Europe) plc (“Capital One”) mis-sold him a payment protection insurance (“PPI”) policy when he took out a credit card in 2008. backgroundCapital One has upheld Mr A’s complaint and offered a settlement it said followed our guidelines. Mr A is unhap... (2 pages)View decision
