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 DRN1117081
4 Dec 2013 Lloyds Bank PLC UpheldBanking and creditMrs K complains that Lloyds Bank plc (previously Lloyds TSB Bank plc).-Continued to chase her for repayment of a number of debts after she had been declared bankrupt and discharged.-Failed to report accurate information about her debts to the credit reference agencies.-Sold her debts ... (3 pages)View decision -
Decision Reference DRN-4347629
13 Sep 2023 ReAssure Limited UpheldPensions and AnnuitiesDRN-4347629 The complaint Mr R complains that a company which is now part of ReAssure Limited (ReAssure) sent him a pension payment in error in 2017. But then told him in 2020 that the money wasn’t his. ReAssure asked Mr R to repay the money in September 2020. But after his solicitor sent ... (8 pages)View decision -
Decision Reference DRN5218766
16 Jun 2015 Bank of Scotland Plc Not upheldBanking and creditMs R has complained that Bank of Scotland plc, trading as Halifax, is asking her to pay two credit card debts. She believes that her details have been changed without her consent which has led to the arrears.This complaint is related to another complaint Ms R ha... (2 pages)View decision -
Decision Reference DRN-2705193
19 Apr 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2705193 The complaint Mr J complains that NewDay Ltd trading as Marbles (Marbles) lent to him irresponsibly. What happened Mr J applied for a Marbles credit card and this was issued in May 2016 with a limit of £300. In September 2016, the limit was increased to £950. In February 2018 t... (3 pages)View decision -
Decision Reference DRN-3314472
21 Apr 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3314472 The complaint Mr D on behalf of the estate of Mr D complains about how Barclays Bank UK PLC dealt with him and his personal data. What happened Mr D says he told Barclays that his father had passed away and that there were two credit card accounts to settle. He says Barclays so... (2 pages)View decision -
Decision Reference DRN6205095
26 Sep 2018 Clydesdale Bank Plc Not upheldBanking and creditMr B complains that Clydesdale Bank Plc sold his debt to an overseas company which isn’t regulated in the UK.backgroundMr B had a commercial real estate loan with Clydesdale which came to the end of its term in 2014.At that point, Clydesdale agreed to continue to all... (3 pages)View decision -
Decision Reference DRN3870026
13 Feb 2014 123 Debt Solutions Ltd UpheldBanking and creditMiss B complains that 123 Debt Solutions Ltd did not treat her reasonably or fairly in that it took money for a PPI claim when she had expressly told it not to. She also complains that when she told it she could not afford her monthly payments towards the PPI claim and debt management... (3 pages)View decision -
Decision Reference DRN-5495901
10 Jul 2025 Capquest Debt Recovery Limited UpheldConsumer CreditDRN-5495901 The complaint Ms M complains Capquest Debt Recovery Limited won’t provide her with a copy of the Deed of Assignment (DOA). She’s also unhappy they haven’t taken into account her vulnerabilities fully. What happened As I understand it, the debt originated from a credit card a... (4 pages)View decision -
Decision Reference DRN3930946
27 May 2016 Cabot Financial (Europe) Limited Not upheldBanking and creditMrs J complains that she is being pursued by Cabot Financial (Europe) Limited for some credit card debts. Mrs J is being helped with her complaint by her husband.backgroundCabot sent letters to Mrs J in December, January and February about debts that she owed on three ... (1 page)View decision -
Decision Reference DRN-5155337
19 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5155337 The complaint Ms L complains that NewDay Ltd (NDay) lent to her irresponsibly. What happened In March 2016, NDay agreed to give a credit card to Ms L, and then offered and applied increases in the limit as shown: Limit increase number Date Limit March 2016 (new account) £30... (4 pages)View decision
