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 DRN1715733
30 Aug 2016 Casheuronet UK LLC Not upheldBanking and creditMiss H complains that Casheuronet UK LLC (trading as Pounds to Pocket) gave her an unaffordable instalment loan. She wants it to waive the balance outstanding, refund her interest and charges and remove the loan from her credit file.backgroundMiss H said that in 2011 Pou... (2 pages)View decision -
Decision Reference DRN4627759
19 Feb 2014 National Westminster Bank Plc Not upheldBanking and creditMr B complains that National Westminster Bank Plc has unfairly registered a default on his credit record. He says that the bank refused his proposals to repay his debt over time and this has led to a much greater financial loss for him. Mr B wants the bank to remove the default and com... (2 pages)View decision -
Decision Reference DRN8966820
7 Aug 2014 Capital One (Europe) plc UpheldBanking and creditMs U complains through a relative about charges applied to her credit card by Capital One (Europe) plc. She would like it to refund the difference between the payments she made and the debt, pay compensation for mis-sold payment protection insurance (PPI), cancel the debt and remove it f... (4 pages)View decision -
Decision Reference DRN-2743606
23 Apr 2021 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-2743606 The complaint Ms D complains Tesco Personal Finance plc (Tesco) have asked for financial information, already provided to them, before they will consider the repayment of her credit card account with them. What happened Mr J has complained to this service on behalf of Ms D and ... (3 pages)View decision -
Decision Reference DRN-3581811
23 Aug 2022 Moneyplus Group Limited Not upheldConsumer CreditDRN-3581811 The complaint Ms B complains she’s paid more on her debt management plan with MoneyPlus Group Limited than she actually owed at the beginning of the plan 17 years ago. What happened Ms B says she’s paid off more than her debts were, so thinks there shouldn’t be anything outstan... (3 pages)View decision -
Decision Reference DRN-3555412
24 Jan 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3555412 The complaint Mr T has complained that Barclays Bank UK Plc, trading as Barclaycard, irresponsibly lent to him. What happened Mr T opened a credit card account with Barclaycard in October 2016 with an initial credit limit of £1,200. His credit limit was increased to £1,600 in F... (4 pages)View decision -
Decision Reference DRN0614630
28 Sep 2016 Fresh Start Financial Management Ltd Not upheldBanking and creditMr C and Miss B complain that Fresh Start Financial Management Ltd mis-sold them a debt management plan. The complaint is brought on their behalf by a claims management company. It says a debt relief order would’ve been more suitable for Mr C and Miss B.background... (2 pages)View decision -
Decision Reference DRN3427977
5 Dec 2013 First And Goal Limited UpheldBanking and creditMr D complains that, after entering into a debt management plan (DMP), both he and the debt management company have tried unsuccessfully to make a payment arrangement with First And Goal Limited (trading as Pounds2day). Instead Pounds2day continues to apply interest to his account and h... (2 pages)View decision -
Decision Reference DRN-3968022
2 Mar 2023 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3968022 The complaint Mr K is unhappy that National Westminster Bank Plc has not written-off his credit card debt after defaulting his account over six years ago. What happened In December 2014 NatWest agreed a reduced payment plan with Mr K as he was struggling financially. It froze i... (2 pages)View decision -
Decision Reference DRN8779616
19 Dec 2016 Debt Advisory Line Limited Not upheldBanking and creditMr S represented by a claims management company (CMC); says that Debt Advisory Line Limited (DAL) failed to tell him about free debt advice services.backgroundMr S entered into a debt management plan with DAL in 2009. He says DAL should have made him aware that he co... (2 pages)View decision