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
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Decision Reference DRN8313618
20 Feb 2014 Global Debt Recovery Limited Not upheldBanking and creditMr F complains that Global Debt Recovery Limited is pursuing him for a debt he does not owe.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. He considered that the debt concerned a loan agreement in the name of Mr F and his ex-wife,... (2 pages)View decision -
Decision Reference DRN4044433
2 Feb 2016 Santander UK Plc Not upheldBanking and creditMrs M complains that Santander UK Plc treated her unfairly by recording a default on her credit file even though it was aware of a dispute with her ex-husband.backgroundMrs M’s joint account with Santander was overdrawn. In September 2014, Mrs M asked Santander to ... (2 pages)View decision -
Decision Reference DRN7731610
4 Mar 2015 National Westminster Bank Plc Not upheldBanking and creditMs E complains that National Westminster Bank Plc, “the bank”, is pursuing her for the debt of a company, “W”, under the terms of a personal guarantee that she believes isn’t valid.backgroundW is a limited company that used to trade under a different name to the one it uses today. In J... (2 pages)View decision -
Decision Reference DRN-2212444
4 Jan 2021 MBNA Limited UpheldBanking and PaymentsDRN-2212444 The complaint Miss W complains about the way in which MBNA Limited handled her credit card account when she fell into arrears. What happened Miss W had an MBNA credit but was unable to make payments in full. In June 2014 she entered a debt arrangement scheme, which included the... (2 pages)View decision -
Decision Reference DRN3069368
7 Jan 2016 TSB Bank plc Not upheldBanking and creditMr B complains TSB Bank plc didn’t give him enough help when he got into financial difficulties. He thinks the overall service the bank has given him has been poor.backgroundMr B said TSB should’ve carried out a credit assessment and so has acted irresponsibly when it... (2 pages)View decision -
Decision Reference DRN-1316757
13 Feb 2020 Cabot Credit Management Group Limited UpheldConsumer CreditDRN-1316757 The complaintMr B is unhappy that Cabot Credit Management Group Limited gave him confusing information about whether he still owed money or not. What happenedAfter Mr B got into financial difficulty with maintaining his contractual financial commitments, he arranged regular mon... (3 pages)View decision -
Decision Reference DRN6593360
7 Mar 2019 Bank of Scotland Plc UpheldBanking and creditMr L complains Bank of Scotland plc (trading as Halifax) wants to close his account and won’t accept his repayment offer of £1-£2 a month towards his outstanding debt with it. backgroundMr L has a current account with Bank of Scotland that has an overdraft facility of... (4 pages)View decision -
Decision Reference DRN3212969
18 Jul 2016 1st Credit Limited UpheldBanking and creditMr and Mrs B complain that 1st Credit Limited (the business) is pursuing them for a debt they say is statute barred. They say that they have been given incorrect information about the timing for a debt being statute barred and given different information about the ... (3 pages)View decision -
Decision Reference DRN-2954737
14 Feb 2022 1plus1 Loans Limited UpheldConsumer CreditDRN-2954737 The complaint Mr F says 1Plus1 Loans Limited lent to him irresponsibly. What happened Mr F took out a 60-month guarantor loan from 1Plus1 Loans for £6,000 on 1 May 2019. The monthly repayments were £228.75 and the total amount repayable was £13,725. It was given on the basis th... (4 pages)View decision -
Decision Reference DRN-4604775
6 Feb 2024 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4604775 The complaint Mr C complains that Creation Financial Services Limited (Creation) lent to him irresponsibly. What happened Mr C applied for a credit card from Creation in February 2020 and it was agreed with a limit of £7,500. In July 2021, Creation increased the limit to £9,000... (5 pages)View decision