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 DRN2765663
10 Sep 2013 Barclays Bank Plc Not upheldBanking and creditMrs G complains that Barclays Bank PLC told her that all her accounts with it were closed, but she later discovered that Barclays had registered adverse credit information about her in relation to a debt that she had been unaware of.backgroundMrs G says that she went into the Barclays ... (2 pages)View decision -
Decision Reference DRN-3044673
11 Nov 2021 Link Financial Outsourcing Limited UpheldBanking and PaymentsDRN-3044673 The complaint Mr R complains that Link Financial Outsourcing Limited took over management of a debt that was marked in error as defaulted as this had already been repaid. What happened Mr R is unhappy that his debt taken with his original bank defaulted. That bank decided to as... (2 pages)View decision -
Decision Reference DRN9452119
22 May 2014 HFC Bank Limited Not upheldBanking and creditMr D says HFC Bank Limited unfairly applied charges to his credit card account with it. He is concerned about its response to him during a period of illness and financial difficulty. In particular, he complains about a collection charge it added to the debt. backgroundMr D became ser... (2 pages)View decision -
Decision Reference DRN1350628
17 Nov 2016 Debt Management Associates Limited Not upheldBanking and creditMiss H complains that Debt Management Associates Limited, trading as Money Village, sold her a debt management plan that wasn’t appropriate for her and it didn’t manage the plan properly. She says she’d have been better off going bankrupt.backgroundMiss H started... (2 pages)View decision -
Decision Reference DRN3678002
11 Apr 2016 HSBC Bank plc Not upheldPayment protection insurance (PPI)Miss J has complained that HSBC Bank Plc mis-sold her a payment protection insurance (PPI) policy. backgroundIn January 2003 Miss J took out a credit card with HSBC. She was sold a PPI policy at the same time. HSBC upheld Miss J’s mis-sale complaint and offered £1,436.... (2 pages)View decision -
Decision Reference DRN5020870
16 Dec 2015 Lowell Portfolio I Ltd UpheldBanking and creditMr S has complained Lowell Portfolio I Ltd won’t update his credit record even though they’ve agreed to write off his debt.backgroundMr S had two credit card debts which Lowell took over. Lowell decided not to pursue Mr S for the money outstanding but defaults ... (1 page)View decision -
Decision Reference DRN0639484
22 Oct 2015 Bank of Scotland Plc Not upheldBanking and creditMiss I complains about charges Bank of Scotland plc (trading as Halifax) applied to her current account.backgroundMiss I had a current account with Halifax. In 2009 she got into financial difficulties, and her account went overdrawn in 2009. Her account was sent to re... (1 page)View decision -
Decision Reference DRN5465724
1 Mar 2017 Cabot Financial (Europe) Limited Not upheldBanking and creditMr A, represented by Ms A, complains that Cabot Financial (Europe) Limited (the business) has provided incorrect information about the debts he has outstanding. He also complains that it has not responded to the letters sent in regard to his complaint. backgroundMr A says... (3 pages)View decision -
Decision Reference DRN7504712
18 Jun 2014 AIB Group (UK) Plc Not upheldBanking and creditsummary of complaintMr C complains that AIB Group (UK) Plc (“AIB Group”) removed the authorised overdraft limit from his current account, forcing him to take out a loan with it to replace the overdraft. He is also dissatisfied that the closure of his local branch has impacted on his... (2 pages)View decision -
Decision Reference DRN-3084584
4 Oct 2021 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3084584 The complaint Miss L complains that Creation Consumer Finance Ltd (CCFL) were irresponsible in approving her loan application for £9,900. What happened On 5 January 2018 CCFL approved Miss L’s online loan application. She was given a loan for £9,900 over a 60-month term at 14.9... (4 pages)View decision