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 DRN-2275096
22 Dec 2020 Moorcroft Debt Recovery Limited Not upheldConsumer CreditDRN-2275096 The complaint Mr H complains about the way in which Moorcroft Debt Recovery Limited is chasing him for a debt. He says he feels threatened by the letters it sent him and wants it to stop its aggressive policies. What happened Mr H tells us that in January 2020 he received a let... (3 pages)View decision -
Decision Reference DRN-5170041
16 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5170041 The complaint Miss S complains that NewDay Ltd (‘NewDay’) trading as Debenhams Mastercard, applied a default unfairly because it applied it around two years after it first issued a default notice. What happened Miss S had a NewDay branded credit card. In March 2018 she told... (3 pages)View decision -
Decision Reference DRN-3873551
20 Apr 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3873551 The complaint Miss S complains that Barclays Bank UK PLC trading as Barclaycard (‘Barclaycard’) closed her credit card account following an alleged period of persistent debt without giving her the warnings set out in the relevant guidance. What happened Miss S held a credit ca... (4 pages)View decision -
Decision Reference DRN-4104683
9 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4104683 The complaint Mrs C complains that NewDay Ltd trading as Aqua (Aqua) lent to her irresponsibly. What happened Mrs C applied for a credit card from Aqua in April 2016 and it was agreed with a limit of £300. There were subsequent increases in the limit as shown: Date Limit April... (4 pages)View decision -
Decision Reference DRN7225371
30 Sep 2014 Lloyds Bank PLC Not upheldBanking and creditMr D complains Lloyds Bank PLC mis-sold him a loan he couldn’t afford – and led him to believe it would result in a successful re-mortgage. backgroundIn 2012 Mr D approached Lloyds for a mortgage, but the application was declined. He says the bank advised it would succeed if he consol... (2 pages)View decision -
Decision Reference DRN4240787
16 Jan 2015 Motormile Finance UK Limited Not upheldBanking and creditMr G complains that Motormile Finance UK Limited are pursuing and harassing him for a debt which it has not proved that he owes.backgroundIn summary, Mr G says that Motormile is constantly texting and calling him. He says that it has not proved he is liable for the debt and he wants c... (2 pages)View decision -
Decision Reference DRN6247609
4 Aug 2017 Hoist Finance UK Limited Not upheldBanking and creditMr Y complains that Hoist Finance UK Limited have taken steps to pursue a debt against him which it does not own. He wants these steps to be undone.backgroundMr Y owed a debt to another company. This debt was sold to a third party, and that party was acquired by Ho... (2 pages)View decision -
Decision Reference DRN7543462
16 Jan 2020 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr and Mrs C don’t think it’s fair for The Royal Bank of Scotland Plc (RBS) to use their payment protection insurance (PPI) compensation to reduce the debts from which they were discharged when their protected trust deed came to an end in April 2014.Mr and Mrs C felt strongly that the join... (5 pages)View decision -
Decision Reference DRN9035712
30 Mar 2020 Link Financial Outsourcing Limited UpheldBanking and creditMr I complains that Link Financial Outsourcing Limited has unfairly registered a default on his credit file for a debt he had agreed a repayment plan on.backgroundMr I agreed a repayment plan with a business for a credit card debt in 2006. In July 2017 that debt was reassigned to Link. Mr ... (2 pages)View decision -
Decision Reference DRN0778601
27 Jun 2018 Nationwide Building Society Not upheldBanking and creditMr and Mrs L have complained that Nationwide Building Society has demanded payment in full on a judgment debt before it will remove a charging order on a property owned in the joint names of Mr and Mrs L.backgroundMr and Mrs L own a property in their joint names. In 2... (2 pages)View decision
