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 70502 results
-
Decision Reference DRN7233349
29 Nov 2019 Hoist Finance UK Limited Not upheldBanking and creditMrs S complains about the contact that she’s received from Hoist Finance UK Limited, trading as Robinson Way, about her debt. She’s being helped with her complaint by her husband.backgroundMrs S had a credit card debt from 2008 with a third party that was transferred to Robinson Way in Sep... (3 pages)View decision -
Decision Reference DRN2723075
19 Dec 2014 Idem Capital Securities Limited Not upheldBanking and creditMr W complains about Idem Capital Securities Limited seeking repayment of a debt. He disputes the debt and is unhappy that he is being asked to make payments to the debt. backgroundThe case was considered by one of our adjudicators who did not recommend it be upheld. In summary, he foun... (2 pages)View decision -
Decision Reference DRN-3772240
25 Oct 2022 TSB Bank plc UpheldBanking and PaymentsDRN-3772240 The complaint Mr G complains that TSB Bank plc used his PPI compensation payment to offset against his credit card debt, a debt that was subject to a previous Debt Relief Order (DRO) and which he thought had been written off. What happened Mr G had a credit card account with TS... (4 pages)View decision -
Decision Reference DRN8922946
28 Nov 2014 Regal Credit Consultants Limited Not upheldBanking and creditMr W complains about a debt that Regal Credit Consultants Limited is trying to collect. He says he is disputing the debt and is unhappy that he is being asked to repay the debt. He is also unhappy about the way Regal Credit Consultants has tried to collect the debt and the contact it had w... (2 pages)View decision -
Decision Reference DRN-2431196
5 Feb 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2431196 The complaint Mr F is unhappy with how Barclays Bank UK Plc (trading as “Barclaycard”) has treated him after a change in his circumstances has left him unable to repay the money he owes. What happened The circumstances of this complaint are well known to both sides so I won’t g... (3 pages)View decision -
Decision Reference DRN-2861048
5 Jul 2021 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-2861048 The complaint Mr C complains that he shouldn’t have been given a credit card by Clydesdale Bank Plc trading as Virgin Money (Virgin). What happened Mr C applied online for a credit card from Virgin in June 2017. It was approved with a limit of £7,100. In December 2020, the debt... (4 pages)View decision -
Decision Reference DRN-4908140
26 Jul 2024 Bank of Scotland Plc Not upheldMortgagesDRN-4908140 The complaint Mr U’s complaint is about a decision by Bank of Scotland plc trading as Halifax (BoS) not to allow him to take a further advance on his mortgage to consolidate unsecured debts. What happened In 2021 Mr U re-mortgaged his home to BoS. When he did so, he borrowed... (3 pages)View decision -
Decision Reference DRN-5211293
17 Jan 2025 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-5211293 The complaint Mr R complains that Creation Consumer Finance Ltd (Creation) did not mark his account as defaulted. What happened Mr R had a debt with Creation (and other lenders). He entered a Scottish Debt Arrangement Scheme (DAS) in January 2020. The debt due to Creation wa... (3 pages)View decision -
Decision Reference DRN-3435584
19 Jul 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3435584 The complaint Miss S complains that AvantCredit of UK, LLC have sold her debt and adverse information has been added to her credit file. What happened Miss S had a complaint against Avant for unaffordable lending upheld. Miss S agreed a repayment plan for the capital amount of ... (3 pages)View decision -
Decision Reference DRN7591529
8 Nov 2017 PRA Group (UK) Limited UpheldBanking and creditMrs H’s complaint is about a debt that PRA Group (UK) Limited is collecting from her. She says she can’t afford to make any level of repayment, and thinks it should be written off in light of her circumstances. backgroundMrs H asked PRA to write off the debt owed ... (3 pages)View decision
