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
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Decision Reference DRN1261536
8 Apr 2014 Churchwood Financial Limited Not upheldBanking and creditMr B complains about a debt management plan he had with Churchwood Financial Limited. He is unhappy about the way the plan has been administered and believes Churchwood has failed to keep him updated on the progress of the plan and failed to make payments to his creditors. He is also u... (2 pages)View decision -
Decision Reference DRN8740055
24 Apr 2014 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs C complain that National Westminster Bank Plc registered a default notice on their credit reference file incorrectly. background Mr and Mrs C faced financial difficulties in early 2010 and as a result exceeded their overdraft limit. The bank wrote to them and they took advice... (2 pages)View decision -
Decision Reference DRN-4838232
6 Jun 2024 Topaz Finance Limited UpheldMortgagesDRN-4838232 The complaint Mr M complains that Topaz Finance Limited trading as Hyalite Mortgages is asking him to repay a shortfall debt which remains after the sale of his mortgaged property was used to pay off the rest of the debt. Mr M set out why he doesn’t think Hyalite should ask him... (4 pages)View decision -
Decision Reference DRN7516070
29 Jan 2019 MBNA Limited Not upheldBanking and creditMiss C complains that MBNA Limited broke the terms of an agreed repayment plan by selling her debt to a third party company. backgroundMiss C says she experienced financial difficulties in 2017 and told MBNA. She says there was an agreement in place to repay her debt... (2 pages)View decision -
Decision Reference DRN6306158
6 Oct 2016 Butler-Do Ltd Not upheldBanking and creditMiss H complains that she wasn’t provided with satisfactory advice about her 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 Miss H’s behalf by a c... (2 pages)View decision -
Decision Reference DRN3014972
26 Jul 2019 National Westminster Bank Plc Not upheldBanking and creditMr M complains that National Westminster Bank Plc (‘NatWest’) didn’t help with his level of debt and financial situation.backgroundMr M was concerned about his finances. So he contacted NatWest to ask for help. He spent over two hours going through his income, expenses and debts to various... (3 pages)View decision -
Decision Reference DRN-3843676
10 Jan 2023 Town & Country Legal Services LLP Not upheldConsumer CreditDRN-3843676 The complaint Mr P complains about the contact received from Town & Country Legal Services LLP (T&C) in relation to a debt it was seeking to collect. What happened Mr P had an account with another business (E) that instructed T&C to contact him to discuss repayment ... (3 pages)View decision -
Decision Reference DRN-1844004
23 Jun 2020 Avantcredit Of Uk, Llc UpheldConsumer CreditThe complaint Mr B believes AvantCredit of UK, LLC acted irresponsibly by agreeing a loan he’d applied for. What happened Mr B applied for a £3,500 loan with AvantCredit, to be repaid over 24 months at an interest rate of 25.95%. This was approved and the loan started in March 2016, with r... (3 pages)View decision -
Decision Reference DRN7133303
27 Jun 2014 Barclays Bank Plc Not upheldBanking and creditMr G complains that Barclays Bank Plc went ahead with a transaction after he had withdrawn his authority for it.background The circumstances leading to this complaint were set out in my provisional decision dated 22 May 2014, a copy of which is attached and forms part of my final dec... (5 pages)View decision -
Decision Reference DRN8443530
17 Sep 2015 National Westminster Bank Plc UpheldBanking and creditMr A feels that the National Westminster Bank Plc (“Natwest”) has treated him unfairly in relation to letters it has sent him about a business debt.backgroundMr A is a director of a limited company which had a business account with Natwest. That account is in signi... (2 pages)View decision