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 DRN8702944
3 Jun 2020 Arrow Global Limited UpheldBanking and creditMr G complains about Arrow Global Limited (“Arrow Global”) and its agents for pursuing a debt against him which he did not recognise. He believes he should be reimbursed all money he has paid against the debt, and that he should be compensated for the distress and inconvenience he has expe... (3 pages)View decision -
Decision Reference DRN6712460
7 Oct 2015 Sainsbury's Bank Plc Not upheldBanking and creditMr L complains that Sainsbury’s Bank Plc recorded adverse information on his credit file and refused to remove a default after he settled his credit card debt.backgroundMr L had a credit card with Sainsbury’s Bank. In 2011 he contacted Sainsbury’s to let it know he wa... (3 pages)View decision -
Decision Reference DRN1660870
30 Jun 2014 Microcredit Limited UpheldBanking and creditMiss G complains about the way Microcredit Limited (trading as MiniCredit.co.uk) has treated her when she experienced financial difficulties. backgroundMiss G took out a loan with Microcredit repayable within 42 days. She experienced financial difficulties during this time and opened a d... (3 pages)View decision -
Decision Reference DRN3943103
5 May 2015 Barclays Bank Plc UpheldBanking and creditMr M complains that Barclays Bank Plc telephoned him in October 2014 chasing loan debts he does not believe he owes. And when Mr M attempted to call back it would not speak with him as he failed the security checks. He wants the debt written off and compensation ... (2 pages)View decision -
Decision Reference DRN9036841
26 Jul 2017 Sainsbury's Bank Plc UpheldBanking and creditMr J complains that Sainbury’s Bank Plc has not treated him fairly, in that it sold the balance of a debt which he understood to have been written off to a third party collections agency. Mr J does not believe he should have to pay the debt, and would like Sainsbur... (3 pages)View decision -
Decision Reference DRN-2455565
14 Jan 2021 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-2455565 The complaint Miss W complained that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) passed her debt to a debt collection agency declined her offer of a repayment plan What happened Miss W had a Tesco credit card. The last payment to it was made in December 2019. In Ap... (3 pages)View decision -
Decision Reference DRN3790238
14 Dec 2016 Debitum Limited UpheldBanking and creditMr and Mrs M complain that Debitum Limited told them that they would be debt free after five years in a debt management plan, (“DMP”) with it. But, after completing the DMP, they were unhappy to discover that they still owed substantial sums to their creditors.backgr... (2 pages)View decision -
Decision Reference DRN2981485
25 Oct 2013 Bank of Scotland Plc Not upheldBanking and creditMr R complains that in providing him, and continuing to provide him, with a preference card (a revolving credit facility), Bank of Scotland Plc was irresponsible. He says the bank must have known he could not afford the repayments, or the interest, and so is in part responsible for h... (2 pages)View decision -
Decision Reference DRN8604604
12 May 2017 Moorcroft Debt Recovery Limited Not upheldBanking and creditMrs M complains that Moorcroft Debt Recovery Limited is chasing her for repayment of a debt which she doesn’t owe.backgroundMoorcroft is acting on behalf of a third party who says Mrs M owes it around £700. Mrs M initially set up a payment plan to repay the debt, b... (1 page)View decision -
Decision Reference DRN-2488662
10 Feb 2021 National Westminster Bank Plc UpheldBanking and PaymentsDRN-2488662 The complaint Mr B is unhappy with how National Westminster Bank Plc (“NatWest”) are dealing with his debts. What happened Mr B has an overdraft and loan with NatWest, both of which are in arrears. This service has previously dealt with a complaint about the affordability of ea... (3 pages)View decision
