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 71523 results
-
Decision Reference DRN-5127011
5 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5127011 The complaint Miss B complains that NewDay Ltd was irresponsible to open three credit accounts for her and to later increase the credit limits. Miss B has brought her complaint via a representative but I will refer to her throughout for simplicity. What happened NewDay Ltd... (6 pages)View decision -
Decision Reference DRN-4867456
30 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4867456 The complaint Miss K complains Vanquis Bank Limited (“Vanquis”) chased her for money on an outstanding debt and recorded adverse information on her credit file, when she believed the loan had been paid off. What happened Miss K has raised many complaint points in response t... (2 pages)View decision -
Decision Reference DRN-4226017
1 Sep 2023 Morses Club PLC UpheldConsumer CreditDRN-4226017 The complaint Miss C complains that Morses Club PLC lent to her irresponsibly and without carrying out proper affordability checks. What happened Between April 2016 and October 2017 Morses Club approved five loans for Miss C. However, the dispute about the first four loans has ... (3 pages)View decision -
Decision Reference DRN-3070122
4 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3070122 The complaint Ms P complains that Vanquis Bank Limited lent her money that she couldn’t afford to pay back. She didn’t think this lending was affordable for her. She said that she was in a spiral of debt, and using borrowing to pay back borrowing. What happened Ms P opened a cr... (3 pages)View decision -
Decision Reference DRN-3424785
19 May 2022 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-3424785 The complaint Mr H complains that Sainsbury's Bank Plc continued to contact him about a debt that had been included in a Debt Relieve Order (DRO). What happened Mr H says a debt he owed to Sainsbury’s was included in a DRO in 2017. He says Sainsbury’s continued to contact ... (2 pages)View decision -
Decision Reference DRN-3813474
30 Nov 2022 Lowell Financial Ltd Not upheldBanking and PaymentsDRN-3813474 The complaint Mr S complains about the default notice recorded on his credit file by Lowell Financial Ltd. What happened Mr S had a credit card with a business I’ll call V, which closed the account at default in April 2020. In April 2021 Lowell purchased the account from V and ... (2 pages)View decision -
Decision Reference DRN9181201
15 Jan 2018 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)Mr A is unhappy with how National Westminster Bank Plc (‘NatWest’) has resolved his complaint about a payment protection insurance (‘PPI’) policy attached to a loan. backgroundIn February 2007 Mr A took out a loan with NatWest. As well as that loan Mr A borrowed a... (3 pages)View decision -
Decision Reference DRN-1352609
13 Feb 2020 Madison CF UK Limited Not upheldConsumer CreditDRN-1352609The complaintMr W complains that Madison CF UK Limited sold his debt to a third party and recorded a default without telling him beforehand. What happenedMr W took out a £3,000 loan with Madison around January 2019. The loan was arranged to run for a 24-month term and Mr W was d... (3 pages)View decision -
Decision Reference DRN-4837344
9 Jul 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4837344 The complaint Mrs F complained that Barclays Bank UK PLC (trading as Barclaycard) held her responsible for a debt linked to a credit card she said she didn’t apply for. She wants compensation for the distress this has caused her. What happened Both sides are familiar with the c... (3 pages)View decision -
Decision Reference DRN-2183365
29 Sep 2020 TSB Bank plc UpheldBanking and PaymentsDRN-2183365The complaintMr B complains that TSB Bank plc didn’t remove a default notice on his credit file having been directed to do so by an ombudsman. He also complains that it unfairly defaulted a second account. What happenedMr B had a complaint investigated by this service after TSB ... (3 pages)View decision
