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 70898 results
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Decision Reference DRN4836929
2 Aug 2013 Microcredit Limited UpheldBanking and creditMr R complains that Microcredit Limited did not respond positively or sympathetically to his financial difficulties when he was unable to repay a short-term loan.backgroundMr R took out a loan with Microcredit in October 2011. The terms of the loan meant he needed to repay the loan, plus ... (2 pages)View decision -
Decision Reference DRN6330097
6 Nov 2013 Santander Cards UK Limited Not upheldBanking and creditMrs B complains that she is being pursued by Santander Cards UK Limited for debts on two store cards which she says it agreed to write off.backgroundMrs B complained to Santander in 2012, that it had contacted her about debts on two store cards which, she says, it had agreed to write... (2 pages)View decision -
Decision Reference DRN0883399
6 Jul 2016 DEBT CORRECT Not upheldBanking and creditMrs V has complained that Debt Correct gave her unsuitable and incomplete advice when she entered into a debt management plan.Mrs V is represented in her complaint. But for clarity, I’ll refer to all submissions as having been made by her directly.backgroundIn 2012, M... (2 pages)View decision -
Decision Reference DRN-2467554
21 Jan 2021 American Express Services Europe Limited (AESEL) Not upheldBanking and PaymentsDRN-2467554 The complaint Mr I complained that American Express Services Europe Limited (AESEL) lent to him irresponsibly What happened Mr I applied for a credit card with AESEL. The application was approved, and the card was issued in June 2016. In the same month, AESEL reviewed the activ... (3 pages)View decision -
Decision Reference DRN3176095
6 Feb 2017 Clydesdale Bank Plc Not upheldBanking and creditN, a limited company, complains that Clydesdale Bank plc sold its debt to an unregulated lender. It says this was in breach of the account terms and conditions and relevant laws and regulations. N is represented by its director, who I’ll call Mr P. It asks for compen... (2 pages)View decision -
Decision Reference DRN9054226
28 Sep 2016 Butler-Do Ltd Not upheldBanking and creditMr R complains that he wasn’t provided with satisfactory advice about his debt management plan (“DMP”) by a debt management company (“D”) which has since been acquired by. Butler-Do Limited (“BL”). The complaint is brought to this service on Mr R’s behalf by a claims... (2 pages)View decision -
Decision Reference DRN1642166
2 Oct 2015 OPOS Limited Not upheldBanking and creditMr G complains that OPOS Limited wrongly registered defaults on his credit file, and failed to remove them when it said it would.backgroundMr G had an unpaid loan debt, which was managed by OPOS. He was told by an OPOS employee that his account would be closed and... (2 pages)View decision -
Decision Reference DRN-4127474
18 Mar 2024 Foundation for Credit Counselling Not upheldConsumer CreditDRN-4127474 The complaint Mr C complains that Foundation for Credit Counselling trading as Stepchange Debt Charity (Stepchange) provided him with poor advice in relation to his debts. Mr C is being represented in bringing his complaint, however, I’ll refer to Mr C throughout this decision.... (3 pages)View decision -
Decision Reference DRN-2670980
6 Apr 2021 Lowell Financial Ltd Not upheldConsumer CreditDRN-2670980 The complaint Mr B has complained that Lowell Financial Ltd are chasing him for a debt he says he doesn’t owe to them. What happened In 2020, Mr B’s credit card account was sold from the original creditor to Lowell. Lowell wrote to Mr B to let him know that they’d bought the de... (2 pages)View decision -
Decision Reference DRN0434939
30 Jul 2014 MBNA Limited UpheldBanking and creditMr D complains that MBNA Limited coerced him into making additional repayments although he was on a debt management plan and then unfairly defaulted his credit card account. He wants the default removed from his credit records and compensation for his distress. background Mr D unfortu... (2 pages)View decision
