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 70370 results
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Decision Reference DRN5427804
25 Feb 2016 Idem Capital Securities Limited Not upheldBanking and creditMr and Mrs H complain about the way in which Idem Capital Securities Limited trading as Idem Servicing (Idem) pursued them for a debt. background In April 2008 Mr and Mrs H took out a loan. The debt was sold to Idem in December 2011.Mr and Mrs H said Idem should... (3 pages)View decision -
Decision Reference DRN4020785
8 Nov 2019 Oakam Ltd UpheldBanking and creditMr A complains that Oakam Ltd took money from his bank account without authorisation. He asks for an apology and compensation for his stress.backgroundMr A took out a £500 loan with Oakam in March 2015. The loan was repayable in instalments over three months. Repayments weren’t made on tim... (3 pages)View decision -
Decision Reference DRN-4036463
3 Oct 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4036463 The complaint Ms D complains Lloyds Bank PLC (Lloyds) unfairly closed her credit card account. What happened Ms D held a credit card account with Lloyds for some years. Around November 2020, Lloyds considered the account to be in persistent debt. Over the next couple... (3 pages)View decision -
Decision Reference DRN7543462
16 Jan 2020 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr and Mrs C don’t think it’s fair for The Royal Bank of Scotland Plc (RBS) to use their payment protection insurance (PPI) compensation to reduce the debts from which they were discharged when their protected trust deed came to an end in April 2014.Mr and Mrs C felt strongly that the join... (5 pages)View decision -
Decision Reference DRN3895504
17 Mar 2015 Barclays Bank Plc Not upheldBanking and creditThis complaint is about a mortgage current account (MCA) Mr W holds with Barclays Bank Plc. That’s a current account attached to a mortgage, with an overdraft facility. The overdraft is secured by the legal charge over the mortgaged property. Mr W complains that Barc... (2 pages)View decision -
Decision Reference DRN3726317
24 Oct 2018 HFC Bank Limited Not upheldPayment protection insurance (PPI)Mr B is complaining that HFC Bank Limited (HFC) wants to use the compensation it offered for the mis-selling of a payment protection insurance (PPI) policy to reduce his outstanding debt.backgroundMr B was sold PPI with a credit card (account ending 5626). In 2017 ... (2 pages)View decision -
Decision Reference DRN7467550
11 Oct 2019 PRA Group (UK) Limited Not upheldBanking and creditMr L complains that PRA Group (UK) Limited (“PRA”) pursued him for a debt he does not owe and cannot afford, pressured him into setting up a standing order to pay it, failed to send him evidence that he owed the debt, and failed to address his complaint.backgroundIn December 2017 PRA sent ... (2 pages)View decision -
Decision Reference DRN-1419123
25 Jul 2020 Debt Managers (Services) Limited Not upheldConsumer CreditDRN-1419123 The complaintMr B complains Debt Managers (Services) Limited (DMSL) has wrongly reported the date of a default to credit reference agencies (CRA’s). He asks for the default date to be backdated. What happenedMr B held an account with a third-party company I’ll call company “S”... (3 pages)View decision -
Decision Reference DRN-4064662
14 Sep 2023 Barclays Bank UK PLC Not upheldConsumer CreditDRN-4064662 The complaint Mr A complains that Barclays Bank UK PLC (“Barclays”) chased him for payment, continued to apply interest to his loan and defaulted his account during a period of breathing space. What happened Mr A had a loan account with Barclays, which fell into arrears. He say... (3 pages)View decision -
Decision Reference DRN-4003050
23 Mar 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4003050 The complaint Mr J is unhappy that Barclays Bank UK PLC (“Barclays”) recorded a default on his credit file for an account he believed was closed. What happened Mr J held a bank account with Barclays which he stopped using around the start of 2019. When he stopped actively using... (3 pages)View decision
