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 77331 results
-
Decision Reference DRN4072944
15 Jul 2019 Bank of Scotland Plc Not upheldBanking and creditBank of Scotland plc sold Mr E’s account to a debt collection agency. It later told him it had sent the wrong figure, but it had put it right. Mr E is complaining because he wants:-more compensation than Bank of Scotland has given him, and -the details changed on his County Court Judgmen... (3 pages)View decision -
Decision Reference DRN-4166313
27 Jun 2023 Klarna Bank AB (publ) UpheldConsumer CreditDRN-4166313 The complaint Ms K complains that Klarna Bank AB (publ) terminated her account and sold it to a debt collection agency. She also complains that Klarna charged her over £3,600 in payments which had nothing to do with her account. What happened Ms K had an account with Klarna, wi... (3 pages)View decision -
Decision Reference DRN-2831555
9 Aug 2021 Oakbrook Finance Limited Not upheldConsumer CreditDRN-2831555 The complaint Miss B complains that Oakbrook Finance Limited trading as Likely Loans (Likely Loans) provided lending to her which was unaffordable and irresponsible. She says that she had significant debt at the time of the lending. What happened In January 2017 Miss B applied ... (3 pages)View decision -
Decision Reference DRN8880500
18 Feb 2014 Vanquis Bank Limited Not upheldBanking and creditMr B complains that Vanquis Bank Limited is asking him to repay a debt that he believes has been cleared through a debt management plan. Mr B wants the bank to acknowledge that the debt has been cleared.our initial conclusionsThe adjudicator did not recommend that this complaint s... (2 pages)View decision -
Decision Reference DRN0954003
8 Dec 2014 Santander Cards UK Limited Not upheldBanking and creditMiss L complains that Santander Cards UK Limited acted incorrectly when it sold on her account to a third party. She explains she had already paid off this debt in 2010 so any remaining balance does not relate to her and should be written off.our initial conclusionsOur adjudicator did n... (2 pages)View decision -
Decision Reference DRN1455572
28 Jan 2015 HSBC Bank plc Not upheldBanking and creditMr and Mrs E complain that HSBC Bank plc is wrongly pursuing them for payment under a personal guarantee. They ask that it stops contacting them.backgroundMr and Mrs E were directors of a limited company, which I will call Z. They gave a personal guarantee limited to £25,000 to HSBC for... (2 pages)View decision -
Decision Reference DRN1140827
13 Nov 2013 First Credit Services Limited Not upheldBanking and creditMs O complains that First Credit Services Limited is pursuing her for a debt that she has already paid. She also complains that First Credit did not tell her that it had bought the debt from her bank and failed to send her a default notice before defaulting the account.backgroundMs O had ... (2 pages)View decision -
Decision Reference DRN0909805
16 Oct 2014 Cabot Financial (Europe) Limited UpheldBanking and creditMr E says that Cabot Financial (Europe) Limited chased him for a credit card debt it owned and that it failed to promptly provide him with the information about the debt when he had requested it. Mr E says this delay meant he could not challenge the debt sooner (he told Cabot it was a f... (2 pages)View decision -
Decision Reference DRN5045271
29 Oct 2013 National Westminster Bank Plc Not upheldBanking and creditMrs D complains that National Westminster Bank Plc has incorrectly allocated payments towards her debt and that, despite maintaining repayments, the debt has increased.background When Mrs D’s accounts fell into arrears, Mrs D set up repayment plans with a debt charity in October 2007. Ho... (2 pages)View decision -
Decision Reference DRN-2766896
7 Jun 2021 TSB Bank plc Not upheldConsumer CreditDRN-2766896 The complaint Mr S complains that he’s received a letter ab out a debt owed to TSB Bank plc in relation to an account which he says he cleared many years ago. What happened In September 2000 Mr S opened a current account with TSB. In 2014 the account reached its overdraft limit... (2 pages)View decision