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 70502 results
-
Decision Reference DRN9319188
14 Jan 2014 Home Retail Group Card Services Limited Not upheldBanking and creditMr C complains that Home Retail Group Card Services Limited (trading as Argos Card Services) defaulted his account but, after he signed up for online servicing, he had no access to his account so could not pay. He did not receive regular statements and asks for the default to be remo... (2 pages)View decision -
Decision Reference DRN1712895
25 Feb 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr E complains that The Royal Bank of Scotland plc (RBS) closed his student account because he was not paying into it. He says he did not know he had to, and would like the bank to re-open the account and reinstate the overdraft limit. He would also like the default removed from his cre... (2 pages)View decision -
Decision Reference DRN3422650
11 Mar 2014 Creation Consumer Finance Ltd UpheldBanking and creditMr J complains that Creation Consumer Finance Ltd cancelled his direct debit resulting in arrears charges and adverse information being added to his credit record.backgroundMr J signed an agreement with Creation Consumer Finance to finance the purchase of a sofa. This was arranged th... (2 pages)View decision -
Decision Reference DRN-3069896
24 Sep 2021 Capital One (Europe) plc UpheldBanking and PaymentsDRN-3069896 The complaint Mr P complains that Capital One (Europe) plc has unfairly increased his minimum monthly payment as a result of being in persistent debt on one of his credit cards. What happened Mr P has two credit card accounts with Capital One. On card ending 5318, Mr P has bee... (5 pages)View decision -
Decision Reference DRN-5291424
31 Jan 2025 JN Bank UK Ltd UpheldConsumer CreditDRN-5291424 The complaint Miss C says JN Bank UK Ltd irresponsibly lent to her. What happened Miss C took out a loan for £7,800 over 60 months from JN Bank in March 2022. The monthly repayments were £184.32. Miss C says JN Bank should never have approved the loan as it was unaffordable ... (3 pages)View decision -
Decision Reference DRN-5003289
28 Jan 2025 TSB Bank plc Not upheldBanking and PaymentsDRN-5003289 The complaint Mr B complains that TSB Bank plc terminated his Bounce Back Loan (BBL) and didn’t agree to a repayment plan, then passed the collection of the debt to an agency. What happened Mr B runs a business and in May 2020, he successfully applied for a £50,000 BBL from ... (3 pages)View decision -
Decision Reference DRN-2927132
30 Aug 2021 Cabot Credit Management Group Limited UpheldConsumer CreditDRN-2927132 The complaint Mr B has complained about Cabot Credit Management Group Limited pursuing him for a debt which he says they should not pursue him for. What happened This complaint is about a defaulted credit card account which was sold to Cabot in late 2003. Mr B says the account ... (2 pages)View decision -
Decision Reference DRN-3341680
30 Mar 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3341680 The complaint P, a limited company, complained that Lloyds Bank PLC (‘Lloyds’) closed their merchant account without good cause and without notifying them. What happened P had a merchant account with Lloyds for some years that was used to take subscription payments online. In J... (6 pages)View decision -
Decision Reference DRN4688450
31 Jul 2019 TSB Bank plc Not upheldBanking and creditMrs G complains about information provided to credit reference agencies by TSB Bank plc. She’s also unhappy TSB Bank plc haven’t defaulted her account with them.backgroundMrs G has a current account with TSB.In March 2016, Mrs G’s account was overdrawn by more than £2,500. TSB asked Mrs G ... (3 pages)View decision -
Decision Reference DRN-2915289
6 Oct 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2915289 The complaint Mrs H complains that Barclays Bank UK PLC trading as Barclaycard (Barclaycard) are charging her too much interest. What happened Mrs H had a Barclaycard since 2005. In September 2018, her balance was £8,655 with a limit of £8,700. In February 2021, her balance was... (3 pages)View decision
