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
-
Decision Reference DRN6604117
20 Aug 2013 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)This complaint is about a consolidation loan taken out in 2009. Miss A says that National Westminster Bank Plc – (NatWest) – advised her wrongly by telling her the loan had more chance of being approved if she gave the reason for the loan as a holiday or home improvements rather than co... (2 pages)View decision -
Decision Reference DRN-3276947
9 Mar 2022 Lowell Financial Ltd Not upheldConsumer CreditDRN-3276947 The complaint Mr M complains that Lowell Financial Ltd’s is unfairly trying to recover a credit card debt. What happened Lowell says it bought a credit card debt in Mr M’s name from the original lender (C) in December 2020. Both Lowell and C sent a Notice of Assignment (NOA) to... (2 pages)View decision -
Decision Reference DRN-5319227
7 Mar 2025 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5319227 The complaint Mrs R complains about the level of service she received from Barclays Bank UK PLC trading as Barclaycard (Barclays). What happened Mrs R held a Barclays credit card. In 2019, Mrs R contacted Barclays to explain that she was experiencing financial difficulties. ... (5 pages)View decision -
Decision Reference DRN1239811
25 Oct 2013 Cabot Financial (Europe) Limited Not upheldBanking and creditMr F is dissatisfied with Cabot Financial (Europe) Limited’s (“Cabot Financial”) responses to his requests for information about the debts it pursued him for. He considers that he has been unable to establish if he is responsible for the debts because Cabot Financial has not provided... (2 pages)View decision -
Decision Reference DRN1588403
5 Sep 2014 National Westminster Bank Plc Not upheldBanking and creditMr T complains that National Westminster Bank Plc has passed his account to a debt collection agent and is not pursuing a joint account holder for the debt.backgroundMr T took a loan in 2004 and a default was recorded in 2005. He agreed a repayment plan with NatWest for a 12 month per... (2 pages)View decision -
Decision Reference DRN-4239869
17 Jul 2023 Experian Limited Not upheldConsumer CreditDRN-4239869 The complaint Mrs C complains that Experian Limited has is reporting the same defaults twice on her credit report. What happened A business I will refer to as P, bought two accounts in Mrs C’s name that were in default but have since been settled in full. The accounts were orig... (2 pages)View decision -
Decision Reference DRN8023327
26 Feb 2014 Santander UK Plc Not upheldBanking and creditMr and Mrs W complain that Santander UK plc (then Alliance & Leicester) made an error and provided them with a £25,000 overdraft instead of the agreed £2,500. They have spent the overdraft and say that Santander should be partially liable for their debt because of its error.backg... (2 pages)View decision -
Decision Reference DRN5740208
18 Nov 2019 National Westminster Bank Plc Not upheldBanking and creditComplaintMr W complains that National Westminster Bank Plc has asked to him repay a debt that he doesn’t believe he owes.BackgroundIn October 2016, Mr W took out a loan with NatWest of £1,600 which he used to repay the overdraft on his current account.Mr W maintained the loan repayments of... (2 pages)View decision -
Decision Reference DRN2794506
3 Feb 2018 HFC Bank Limited Not upheldPayment protection insurance (PPI)Mr M and Mrs T have complained about the way HFC Bank Limited compensated them for the mis-sale of a payment protection insurance (PPI) policy.backgroundMr M and Mrs T had a loan with HFC, which had a PPI policy.In 2017, they complained about the sale of the PPI ... (2 pages)View decision -
Decision Reference DRN3897876
20 Apr 2018 House & Home Care Limited Not upheldBanking and creditMs R complains that House & Home Care Limited, trading as Immediate Financial, mis-sold her a debt settlement program and this has had a detrimental effect on her. backgroundIn March 2010 Ms R signed up for a debt settlement program with Immediate Financial. She says... (3 pages)View decision