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 DRN8005868
16 Jun 2016 John Lewis Financial Services Limited Not upheldBanking and creditMrs H complains that John Lewis Financial Services Limited (“John Lewis”) has not treated her fairly in that it appointed a debt collection agent who has treated her insensitively and caused her distress by wrongly demanding increased repayments towards her debt. She a... (3 pages)View decision -
Decision Reference DRN2510596
19 Oct 2015 Moorcroft Debt Recovery Limited Not upheldBanking and creditMr G has a store card, the provider of which has instructed Moorcroft Debt Recovery Limited to act as its agent. Moorcroft is seeking to recover from Mr G a debt linked by the provider to this account. Mr G complains that he is being harassed by Moorcroft, and that it ... (2 pages)View decision -
Decision Reference DRN1138496
12 Dec 2019 The Funding Corporation Limited UpheldPayment protection insurance (PPI)Mr N complains that The Funding Corporation Limited (“TFC”) mis-sold him payment protection insurance with a loan. Mr N also complains that TFC has been adding interest to a judgment debt in relation to that loan.background I set out the full background to this complaint in my provisional ... (7 pages)View decision -
Decision Reference DRN5632831
5 Sep 2019 Arrow Global Limited Not upheldBanking and creditMr F complains that Arrow Global Limited gave him the wrong balance for his account and misled him into thinking he’d paid off his debt when he hadn’t. backgroundArrow Global bought Mr F’s account from another company in 2015. It used another company (company B) to manage the debt. In May ... (2 pages)View decision -
Decision Reference DRN0369643
18 Dec 2015 Nationwide Building Society Not upheldBanking and creditMr S complains that Nationwide Building Society, after he had transferred his current account elsewhere, wrongly charged fees on a debt and recorded adverse information on his credit file. He wants the charges removed, his credit file reinstated, substantial compensation a... (2 pages)View decision -
Decision Reference DRN-4561389
16 Jan 2024 Lowell Portfolio I Ltd UpheldBanking and PaymentsDRN-4561389 The complaint Miss W complains that Lowell Portfolio I Ltd harassed her in relation to an unenforceable debt. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: Lowell says Miss W had a credit card with a b... (4 pages)View decision -
Decision Reference DRN7898878
14 Aug 2015 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs F complain about two loans sold to them by Lloyds Bank Plc in 2009 and howLloyds handled their credit cards at that time.background I issued my provisional decision in July 2015, a copy of which is attached and forms part of this final decision. In my ... (6 pages)View decision -
Decision Reference DRN-2976017
27 Aug 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2976017 The complaint Mr K complains Barclays Bank UK PLC allowed his account to go overdrawn. He’s unhappy that he’s now being pursued for a debt as a result. What happened Mr K held a current account with Barclays. He opened it in 2013, in branch, as a Young Persons Account (YPA). It... (3 pages)View decision -
Decision Reference DRN-3277838
21 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3277838 The complaint Mr D complains that AvantCredit of UK, LLC (Avant), lent to him irresponsibly. What happened Mr D was approved for a £5,000 loan on 16 September 2015 repayable over 24 months at just under £316 each month. The total charge for credit was £2,582.07. Nr D had told A... (4 pages)View decision -
Decision Reference DRN-3142593
5 Nov 2021 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3142593 The complaint Mr I complains that Lloyds Bank PLC failed to default a debt when he first asked it to, in 2015. He says that the more recent default from this account has stopped him buying the home he wanted for his family. What happened Mr I said he asked Lloyds to close and ... (4 pages)View decision