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 70252 results
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Decision Reference DRN2044322
12 May 2015 Barclays Bank Plc Not upheldBanking and creditMrs F complains that Barclays Bank Plc (trading as Barclaycard) defaulted her account even though she had a repayment plan in place with them. They did not tell her they had sold her debt to a debt collection company. And she would like the adverse entry removed fr... (2 pages)View decision -
Decision Reference DRN-4622267
20 Aug 2024 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-4622267 The complaint Mr R complains that Link Financial Outsourcing Limited trading as Link Financial forged a notice of assignment (NOA). What happened Mr R has an outstanding debt which was originally owed to a business I will refer to as T. In July 2023, T assigned the debt to a... (2 pages)View decision -
Decision Reference DRN0016565
28 Aug 2014 National Westminster Bank Plc Not upheldBanking and creditMr R complains that National Westminster Bank Plc (“NatWest”) unfairly failed to renew his longstanding overdraft facility, issued default notices, placed all his borrowing into its recoveries process even though he had kept up repayments on his loans and put one of his properties into a... (3 pages)View decision -
Decision Reference DRN-3747478
12 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3747478 The complaint Mrs A complains that NewDay Ltd acted irresponsibly when it increased the credit limit on her credit card. What happened Mrs A had a credit card account with NewDay. She says she was experiencing significant financial difficulties and was on a debt management plan... (6 pages)View decision -
Decision Reference DRN1588403
5 Sep 2014 National Westminster Bank Plc Not upheldBanking and creditMr T complains that National Westminster Bank Plc has passed his account to a debt collection agent and is not pursuing a joint account holder for the debt.backgroundMr T took a loan in 2004 and a default was recorded in 2005. He agreed a repayment plan with NatWest for a 12 month per... (2 pages)View decision -
Decision Reference DRN5485703
30 Sep 2019 Barclays Bank UK PLC UpheldBanking and creditMrs C complains that Barclays Bank UK PLC acted irresponsibly by giving her a credit card and increasing her credit limit from £3,000 to £11,000 over the next few years.backgroundMrs C took out a credit card with Barclays in January 2013. Barclays increased her credit limit several times o... (3 pages)View decision -
Decision Reference DRN-3958469
24 Mar 2023 Tandem Home Loans Ltd UpheldMortgagesDRN-3958469 The complaint Mr L complains that Tandem Home Loans Ltd (“Tandem”) lent to him irresponsibly as he had a significant gambling problem and numerous debts at the time he took out his secured loan. Mr L took the loan out with 1st Stop Home Loans Limited, which subsequently became ... (8 pages)View decision -
Decision Reference DRN3825902
12 Dec 2014 Barclays Bank Plc Not upheldBanking and creditMr H complains that Barclays Bank PLC has incorrectly pursued him for a debt that should have been written off. He also complains about the customer service that he has received from Barclays. He is being helped with his complaint by a representative.backgroundMr H had a credit card and... (2 pages)View decision -
Decision Reference DRN1264306
5 Jun 2015 HSBC Bank plc Not upheldBanking and creditS, a limited company, complains that HSBC Bank Plc did not respond to efforts to repay a debt. It issued threatening letters instead. S is represented by its director, Mr W. Mr W asks that HSBC reinstates S’s bank account, agrees reasonable terms to repay the lo... (2 pages)View decision -
Decision Reference DRN0747651
23 Oct 2015 Lloyds Bank PLC Not upheldBanking and creditMr M complains that Lloyds Bank plc acted irresponsibly by allowing him to increase his overdraft. He also complains that Lloyds failed to refund interest and charges on his account after a debt management plan was put in place.backgroundIn late 2013 Mr M was able t... (2 pages)View decision
