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
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Decision Reference DRN-2573689
26 Feb 2021 TSB Bank plc Not upheldBanking and PaymentsDRN-2573689 The complaint Ms L complains that TSB Bank plc is holding her liable for a debt which is not hers. What happened Ms L and her ex-husband used to have a business together as a partnership, and they had a business account with TSB for which they were both responsible. They divorc... (2 pages)View decision -
Decision Reference DRN4006181
7 Dec 2015 Motormile Finance UK Limited Not upheldBanking and creditMr R says that Motormile Finance UK Limited is pursuing him for a debt without demonstrating to his satisfaction that he owes them any money. He’s unhappy about the nature of the contact he’s had with them. background Motormile began to chase Mr R for payment of a deb... (2 pages)View decision -
Decision Reference DRN-2901209
30 Jun 2021 Capital One (Europe) plc UpheldBanking and PaymentsDRN-2901209 The complaint Mr T thinks Capital One (Europe) plc acted irresponsibly by approving two credit cards he couldn’t afford and by increasing the credit limit on one of them. What happened Capital One approved the first of Mr T’s credit cards in October 2016 (account one) and set ... (7 pages)View decision -
Decision Reference DRN-5601312
24 Jun 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5601312 The complaint Mr N complains that Capital One (Europe) plc (“Capital One”) acted irresponsibly in giving him a credit card with a £200 credit limit and stopped taking repayments from his pre-paid credit card which resulted in a County Court Judgement (CCJ) against him for ... (3 pages)View decision -
Decision Reference DRN-4275425
31 Jul 2023 PayPal (Europe) Sarl et Cie SCA Not upheldBanking and PaymentsDRN-4275425 The complaint Miss K is unhappy that PayPal (Europe) Sarl et Cie SCA reported missed payments to her credit file and with the date that they reported defaulting her account. What happened In March 2021, Miss K entered into a plan with a debt charity, which contacted PayPal and ... (3 pages)View decision -
Decision Reference DRN2672663
27 Jul 2016 Capital One (Europe) plc UpheldBanking and creditMr H complains that Capital One (Europe) plc hasn’t recorded his account accurately with the credit reference agencies.backgroundIn line with a court consent order dated July 2013, Mr H has been paying £5 a month to repay his debt. But his payments were made via Ca... (2 pages)View decision -
Decision Reference DRN-2879282
23 Jun 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2879282 The complaint Miss S complains that NewDay Ltd set a credit limit on her credit card account that was too high and says it continued to charge her interest when she closed the account. What happened Miss S says NewDay set the credit limit on her account too high as she had othe... (3 pages)View decision -
Decision Reference DRN3783948
14 Apr 2015 Barclays Bank Plc Not upheldBanking and creditMr S complains about the way that Barclays Bank PLC (trading as Barclaycard) treated him after he decided he wanted to cancel a Barclaycard account and he’s unhappy with the information that’s been recorded on his credit file.backgroundMr S applied online for a Barclayc... (3 pages)View decision -
Decision Reference DRN9971493
9 Dec 2015 IG Index Limited Not upheldInvestment and pensionsMr W’s complaint is about how IG Index Limited handled losses on his account. He says: IG offers too much leverage it’s not clear how IG decides to close positions or how it deals with negative balances, and IG has aggressively chased his negative balance, instea... (2 pages)View decision -
Decision Reference DRN8992728
4 Jan 2019 Bank of Scotland Plc Not upheldBanking and creditMr F complains that Bank of Scotland plc (trading as Halifax) reported adverse information about him to credit reference agencies when he was on a debt management plan.backgroundMr F had a significant amount of unsecured debt including an overdraft with Halifax. He was... (2 pages)View decision
