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 70898 results
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Decision Reference DRN5987140
2 Jul 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMr D complains that The Royal Bank of Scotland Plc (RBS) didn’t close his account when he instructed it to and it now says he owes around £1,500.backgroundMr D says he closed his RBS account about 10 years ago. But the bank says he owes money on it and has passed ... (2 pages)View decision -
Decision Reference DRN-5252756
13 Feb 2025 Moorcroft Debt Recovery Limited Not upheldConsumer CreditDRN-5252756 The complaint Mr W complains Moorcroft Debt Recovery Limited are contacting him to repay a debt he says has been settled. What happened Mr W had a loan with a company I’ll refer to as S. Mr W says he settled his loan with S, but they asked Moorcroft to contact Mr W regardin... (4 pages)View decision -
Decision Reference DRN4405102
31 Mar 2014 Welcome Financial Services Limited Not upheldBanking and creditMr D complains that Welcome Financial Services Limited is trying to collect the outstanding balance on a loan. He says that there is no evidence to say that this debt is his and that the debt is in any event statute barred.backgroundIn September 2005 a loan for £1,500 plus £536.16 for pa... (2 pages)View decision -
Decision Reference DRN-3670501
27 Sep 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3670501 The complaint Ms W says Lloyds Bank PLC closed her current account and credit card with no notice and unfairly defaulted the credit card debt permanently damaging her credit rating. What happened Ms W was declared bankrupt in another country on 16 April 2021. When Lloyds was no... (2 pages)View decision -
Decision Reference DRN5742301
7 Jun 2018 National Westminster Bank Plc Not upheldBanking and creditMiss M complains that National Westminster Bank Plc charged her interest when she was in financial difficulties.backgroundMiss M said that NatWest continued to apply interest on her account when she went into a debt management plan.Miss M opened a current account with... (3 pages)View decision -
Decision Reference DRN-5007519
16 Sep 2024 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-5007519 The complaint Mr M complains that Tesco Personal Finance PLC trading as Tesco Bank acted irresponsibly by increasing the credit limit on his credit card. What happened Tesco Bank increased Mr M’s credit limit on his credit card from £3,200 to £5,200 in December 2022. He says... (3 pages)View decision -
Decision Reference DRN-4380037
3 Jan 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4380037 The complaint Mr and Mrs K are unhappy because TSB Bank plc failed to carry out a financial review by email and passed their account to a debt collection agency. What happened Mr and Mrs K have had a payment plan in place on their account with TSB for around five years. In Janu... (3 pages)View decision -
Decision Reference DRN1943450
5 Mar 2020 MBNA Limited UpheldBanking and creditComplaintMr K complains that MBNA Limited took too long to apply a default after he wasn’t able to maintain the full payments to his credit card. BackgroundThe background to this complaint and my initial conclusions were set out in my provisional decision – a copy of which is attached and ... (4 pages)View decision -
Decision Reference DRN1976922
12 Jul 2016 Creation Financial Services Limited UpheldBanking and creditMr C complains that Creation Financial Services Limited didn’t apply a default to his credit card account when he entered financial difficulties. So his credit file still shows a debt management plan that he thinks should have dropped off. backgroundMr C experienced ... (2 pages)View decision -
Decision Reference DRN-4526717
21 Dec 2023 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-4526717 The complaint Mr J is unhappy with My Community Bank (‘MyCB’), who is a trading name of Brent Shrine Credit Union Limited. Although Brent Shrine Credit Union Limited is responsible for the actions of My Community Bank, for ease, I have referred to MyCB throughout this decision.... (8 pages)View decision
