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 71923 results
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Decision Reference DRN6576103
1 Oct 2015 National Westminster Bank Plc Not upheldBanking and creditMs R complains that National Westminster Bank Plc didn’t keep to its agreement to remove a default that it had entered against her. And Ms R is unhappy at receiving debt recovery letters.background Briefly, Ms R complained to this service about NatWest a few years ag... (2 pages)View decision -
Decision Reference DRN0069053
24 May 2013 National Westminster Bank Plc Not upheldBanking and creditsummary of complaintMrs S, who is a sole trader, complains that National Westminster Bank Plc (’NatWest’) did not act in her best interests when it advised her to convert the overdraft on her business current account into a loan. She says that because of this, her business has strugg... (2 pages)View decision -
Decision Reference DRN3446841
30 Sep 2014 GW Financial Solutions (UK) Limited Not upheldBanking and creditMs E complains about the debt management advice she received from GW Financial Solutions (UK) Limited.background Ms E approached GW in 2010 for advice on debt management. She agreed to enter into an arrangement with it to allow her to make monthly payments to her creditors. She was ch... (2 pages)View decision -
Decision Reference DRN4242229
13 Sep 2013 Barclays Bank Plc UpheldBanking and creditMr Y complains that Barclays Bank Plc (the bank) ‘missold’ him two loans which it should have known he could not repay. backgroundThe two loans were granted in quick succession, the second one repaying the first and being around £2,000 greater. Mr Y has a medical condition which makes ... (2 pages)View decision -
Decision Reference DRN-4392061
22 Jan 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4392061 The complaint Mrs S says Zopa Bank Limited lent to her irresponsibly. What happened Mrs S took out a 60-month loan for £13,500 in September 2022. The monthly repayments were £382.61 and the total repayable was £22,956.52. Mrs S says she was heavily indebted when she applied and... (3 pages)View decision -
Decision Reference DRN-3624172
1 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3624172 The complaint Mr P complains that NewDay Ltd has irresponsibly lent to him. Mr P is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr P himself. What happe... (5 pages)View decision -
Decision Reference DRN0721245
5 Nov 2019 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr T doesn’t think it’s fair for The Royal Bank of Scotland Plc (RBS) to use his payment protection insurance (PPI) compensation to reduce the debt from which he was discharged when his protected trust deed came to an end in 2006.backgroundIn September 2019, I issued my provisional decisio... (5 pages)View decision -
Decision Reference DRN0774846
5 Nov 2015 Clear View Finance Limited UpheldBanking and creditMr G complains Clear View Finance Limited didn’t explain how his debt management plan would work or keep him updated. He complains his credit file has been adversely affected.backgroundIn 2012 Mr G says Clear View Finance called offering to help him with his debts. ... (2 pages)View decision -
Decision Reference DRN1948568
22 May 2015 Barclays Bank Plc UpheldBanking and creditMr A complains that Barclays Bank Plc refuses to remove the default it has registered on his account. He complains that this is unfair as he never received the appropriate documents to tell him that Barclays was closing the account never mind to tell him it was g... (3 pages)View decision -
Decision Reference DRN-4360941
21 Sep 2023 Lantern Debt Recovery Services Ltd UpheldConsumer CreditDRN-4360941 The complaint Mr Y complains about contact from Lantern Debt Recovery Services Ltd (Lantern) in relation to someone else’s debt. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: In February 2023 Mr Y rece... (2 pages)View decision
