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 DRN-5502625
10 Nov 2025 Barclays Bank Plc Not upheldBanking and PaymentsDRN-5502625 The complaint B, a limited company, complains that Barclays Bank Plc failed to defend a chargeback against it for £2,000 and reported a default to the credit reference agencies. What happened In May 2024 a chargeback claim was raised against B for £2,000. Barclays wrote to B... (3 pages)View decision -
Decision Reference DRN3466516
4 Jun 2020 FirstRand Bank Limited UpheldBanking and creditMr B complains about a default being registered against him in relation to an agreement he had with FirstRand Bank Limited (trading as Miotonovo).backgroundIn February 2015 Mr B was supplied with a car and entered into a hire purchase agreement with Motonovo. The total amount repayable und... (3 pages)View decision -
Decision Reference DRN3588576
24 Oct 2019 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr M doesn’t think it’s fair for The Royal Bank of Scotland Plc (RBS) to use his payment protection insurance (PPI) compensation to reduce a debt from which he was discharged when his protected trust deed came to an end.backgroundI issued my provisional decision on 22 August 2019. A copy o... (4 pages)View decision -
Decision Reference DRN-3334539
4 Apr 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3334539 The complaint Mr C complains about Barclays Bank UK PLC trading as Barclaycard and their decision to suspend and then close his account. What happened Mr C held a credit card account provided by Barclays with a £2,000 credit limit. In September 2019, Barclays wrote to Mr C expl... (3 pages)View decision -
Decision Reference DRN-3797657
21 Dec 2022 Oplo HL Ltd UpheldMortgagesDRN-3797657 The complaint Mr M complains that Oplo HL Ltd (“Oplo”) lent to him irresponsibly as he experienced financial difficulties during the repayment of the four loans he took out. What happened Mr M says that he purchased a property to renovate in 2016 and many unforeseen problems ar... (22 pages)View decision -
Decision Reference DRN1648962
2 Nov 2017 Lloyds Bank PLC Not upheldBanking and creditMiss B complains that Lloyds Bank PLC has notified her that it will pass her overdraft debt to its recoveries section which will result in a default being placed on her credit file.backgroundMiss B opened a student account in December 2015 with an agreed overdraft ... (2 pages)View decision -
Decision Reference DRN-5571460
11 Sep 2025 Madison CF UK Limited Not upheldConsumer CreditDRN-5571460 The complaint Mr O complains that Madison CF UK Limited trading as 118 118 Money was irresponsible in its lending to him. He wants all interest and charges on his loans refunded along with statutory interest and any adverse information regarding the loans removed from his cr... (4 pages)View decision -
Decision Reference DRN1013571
30 Apr 2019 Link Financial Outsourcing Limited Not upheldBanking and creditMiss C complains that Link Financial Outsourcing Limited didn’t contact her after taking over her debt with another company. Miss C also says Link recorded a default on her credit file incorrectly. backgroundMiss C had a credit card account with another business th... (2 pages)View decision -
Decision Reference DRN7609432
14 Aug 2015 Lloyds Bank PLC Not upheldBanking and creditMr H says that Lloyds Bank Plc (Lloyds) is chasing him for a debt which he believes he has settled with his former business partner. And he says Lloyds failed to tell him when they put him in default for that debt.Lloyds has apologised for the delay in telling ... (2 pages)View decision -
Decision Reference DRN-6073861
13 Jan 2026 Lantern Debt Recovery Services Limited Not upheldConsumer CreditDRN-6073861 The complaint Mr H complains Lantern Debt Recovery Services Limited are unfairly and unlawfully pursuing a debt in his name. Mr H also says Lantern have caused him mental health harm and processed his data in contravention of General Data Protection Regulation (GDPR). What h... (5 pages)View decision