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 DRN-4460776
17 Nov 2023 NRAM Limited UpheldMortgagesDRN-4460776 The complaint Miss A complains that NRAM Limited Will not accept her offer of full and final settlement of a shortfall debt. Caused her distress by raising her expectations by telling her it would consider a full and final offer and then rejecting it without properly consider... (4 pages)View decision -
Decision Reference DRN0943273
10 Feb 2017 Barclays Bank Plc Not upheldBanking and creditMr and Mrs S complain about the way in which Barclays Bank Plc has dealt with the closing of the accounts of Mrs S’s late mother.backgroundMrs S’s mother passed away in September 2016. She asked Barclays to close her late mother’s accounts and send her the balance.... (2 pages)View decision -
Decision Reference DRN-2089754
10 Nov 2020 Capquest Debt Recovery Limited UpheldBanking and PaymentsDRN-2089754 The complaint Mrs R is unhappy that Capquest Debt Recovery Limited (Capquest) didn’t default her account when it should’ve done, meaning it continued to show on her credit file for longer than necessary. What happened Ten years ago Mrs R had a number of debts, but she was unabl... (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 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 DRN4822689
2 May 2018 Home Retail Group Card Services Limited Not upheldBanking and creditMr W complains that Home Retail Group Card Services Limited offset a refund of fees due to him against an outstanding balance he believed had been settled by an earlier full and final settlement agreement.backgroundMr W held a store card issued by Home Retail Group. He fe... (2 pages)View decision -
Decision Reference DRN8427660
21 Apr 2015 Elite Debt Solutions Ltd UpheldBanking and creditMrs S complains about the way her Debt Reduction Plan has been handled by Elite Debt Solutions Ltd. She wants a refund and compensation.backgroundMrs S paid Elite £400. She understood Elite would get in touch with her creditors and pay them for her. But Elite did not ... (2 pages)View decision -
Decision Reference DRN8236911
3 Feb 2016 Capital One (Europe) plc UpheldPayment protection insurance (PPI)Mr B complained he was mis-sold payment protection insurance (PPI) on a credit card with Capital One (Europe) plc (Capital One) in 2001.backgroundCapital One agreed that Mr B had been mis-sold PPI and it made him an offer in September 2015.Mr B had been under an indiv... (3 pages)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 -
Decision Reference DRN-3590931
31 Aug 2022 Credit Link Account Recovery Solutions Limited Not upheldConsumer CreditDRN-3590931 The complaint Miss H has complained that Credit Link Account Recovery Solutions Limited are pursuing her for a debt which she feels they haven’t sufficiently proven she owes them. What happened This complaint surrounds a consumer credit account that was opened in 2019, and was ... (2 pages)View decision
