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 DRN1236697
5 May 2017 Cabot Financial (Europe) Limited Not upheldBanking and creditMrs C complains that Cabot Financial (Europe) Limited (Cabot) incorrectly addressed letters to her. She isn’t happy that it offset compensation against an outstanding debt. She would like compensation, an apology and copies of letters she didn’t get sent to her.backgrou... (2 pages)View decision -
Decision Reference DRN0793029
28 Feb 2017 Cabot Financial (Europe) Limited Not upheldBanking and creditMr R complains that he is being harassed by Cabot Financial (Europe) Limited for repayment of a debt.backgroundMr R owed a debt to a bank and was making reduced repayments of £1 each month. The debt was assigned to Cabot in September 2012 and it contacted Mr R abou... (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 DRN-2275516
10 Nov 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2275516 The complaint Ms W complains that Aqua lent irresponsibly when it approved her credit card application and later went on to increase the credit limit. Ms W also complains that Aqua sold her debt to a third party despite being aware she was vulnerable. What happened On 3 June 20... (3 pages)View decision -
Decision Reference DRN-4394159
11 Oct 2023 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4394159 The complaint Mr E complains National Westminster Bank Plc failed to treat him fairly regarding debt owed on his overdraft and a personal loan when they closed his accounts. He says they refused to discuss reasonable ways forward to repay what he owed, sent him contradictory in... (3 pages)View decision -
Decision Reference DRN7373235
29 May 2015 National Westminster Bank Plc UpheldBanking and creditMiss O complains about a packaged bank account called “Advantage Gold” that was sold to her by National Westminster Bank Plc (NatWest) in 2002.backgroundThere was a monthly fee for the packaged account and it came with a range of benefits. In 2002 these benefits inclu... (2 pages)View decision -
Decision Reference DRN9257841
10 Jun 2015 DFH Limited Not upheldBanking and creditMr V has complained about a debt management plan he entered into with DFH Limited.backgroundMr V entered into a debt management plan with DFH in 2008. He has explained that he was very unhappy with the plan, for the following reasons. He did not want a plan with DF... (2 pages)View decision -
Decision Reference DRN4528747
7 Jun 2013 Clydesdale Bank Plc Not upheldBanking and creditMr A complains that Clydesdale Bank PLC mis-sold him a loan he could not afford after increasing his overdraft without checking that he could repay it. He wants the bank to write off his debt without affecting his credit record.backgroundMr A had several debts with the bank, including ... (2 pages)View decision -
Decision Reference DRN1546838
11 Feb 2015 Debt Free Direct Limited UpheldBanking and creditMiss H complains that Debt Free Direct Limited (DFD) wrongly told her to enter into an Individual Voluntary Arrangement (IVA).backgroundMiss H was put in touch with DFD because she had been struggling with her debts. Following an initial call Miss H agreed to consider an IVA. After the... (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
