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 DRN9759538
12 Jun 2018 Clydesdale Bank Plc Not upheldBanking and creditMr A complains that Clydesdale Bank Plc sold his debt to a third party company without telling him and is concerned that may affect his credit file. He also complains about how he was dealt with when he tried to speak to Clydesdale about this.backgroundMr A’s loan acc... (2 pages)View decision -
Decision Reference DRN0874546
6 Apr 2016 LRUK (RETAIL) LIMITED UpheldBanking and creditMrs M complains that LRUK (RETAIL) LIMITED (trading as La Redoute) has not been treating her reasonably regarding arrears on her catalogue shopping account.backgroundBy 2010 Mrs M owed about £1,500 on the account and told La Redoute she was in financial difficulties. The ... (2 pages)View decision -
Decision Reference DRN4471596
18 Apr 2016 Vanquis Bank Limited UpheldBanking and creditMr A complains that Vanquis Bank Limited unfairly recorded a default on his account and arranged unnecessary debt collection activity. background Mr A was having payment difficulties. Vanquis sent him an email in August 2015 offering him a payment plan. If he kept t... (2 pages)View decision -
Decision Reference DRN1943450
5 Mar 2020 MBNA Limited UpheldBanking and creditComplaintMr K complains that MBNA Limited took too long to apply a default after he wasn’t able to maintain the full payments to his credit card. BackgroundThe background to this complaint and my initial conclusions were set out in my provisional decision – a copy of which is attached and ... (4 pages)View decision -
Decision Reference DRN-3082415
4 Oct 2021 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3082415 The complaint Miss C is unhappy with the standard of service she’s received from National Westminster Bank Plc (“NatWest”) surrounding the issuance of letters advising that her credit card account is considered as being in persistent debt and the subsequent suspension of that a... (4 pages)View decision -
Decision Reference DRN4423482
8 Mar 2017 Baines & Ernst Limited Not upheldBanking and creditMr and Mrs B complain, in summary, that Baines & Ernst Limited, (“BEL”), didn’t providethem with appropriate information when they entered into a debt management plan (“DMP”)with it. The complaint is brought to this service on Mr and Mrs B’s behalf by a claimsman... (5 pages)View decision -
Decision Reference DRN5742301
7 Jun 2018 National Westminster Bank Plc Not upheldBanking and creditMiss M complains that National Westminster Bank Plc charged her interest when she was in financial difficulties.backgroundMiss M said that NatWest continued to apply interest on her account when she went into a debt management plan.Miss M opened a current account with... (3 pages)View decision -
Decision Reference DRN1976922
12 Jul 2016 Creation Financial Services Limited UpheldBanking and creditMr C complains that Creation Financial Services Limited didn’t apply a default to his credit card account when he entered financial difficulties. So his credit file still shows a debt management plan that he thinks should have dropped off. backgroundMr C experienced ... (2 pages)View decision -
Decision Reference DRN6991513
11 Jul 2013 Mackenzie Hall Limited Not upheldBanking and creditMr A complains about being pursued for a debt by Mackenzie Hall Limited as he believes it did not have the authority to contact him.backgroundThe adjudicator did not recommend the complaint be upheld. She referred to a separate case where she had already explained why Mackenzie Hall had... (2 pages)View decision -
Decision Reference DRN4405102
31 Mar 2014 Welcome Financial Services Limited Not upheldBanking and creditMr D complains that Welcome Financial Services Limited is trying to collect the outstanding balance on a loan. He says that there is no evidence to say that this debt is his and that the debt is in any event statute barred.backgroundIn September 2005 a loan for £1,500 plus £536.16 for pa... (2 pages)View decision
