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 71745 results
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Decision Reference DRN1284078
8 Aug 2014 Barclays Bank Plc Not upheldBanking and creditMs F complains that Barclays Bank Plc did not treat her fairly when she was in financial difficulties. She says it should have written off her debt. Ms F asks for compensation and that the repayments she has made are refunded.backgroundMs F had financial difficulties from late 2005. She ... (2 pages)View decision -
Decision Reference DRN9006473
19 Aug 2015 Haydon Associates Debt Management Consultants Ltd UpheldBanking and creditMiss C, who is represented by a third party, complains Haydon Associates Debt Management Consultants Ltd (trading as “Resolve Money Matters”) mis-sold its debt reduction plan to her.backgroundMiss C says she agreed with Resolve Money Matters that it would manage her ... (2 pages)View decision -
Decision Reference DRN2378638
1 Aug 2017 Everyday Loans Limited Not upheldBanking and creditMrs N complains that two loans she took out with Everyday Loans Limited were unaffordable.backgroundIn June 2011 Mrs N took out a loan with Everyday Loans for £3000 to consolidate other debts. In August 2012 she took out a further loan for £6000 which consolidated he... (2 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 DRN0844953
23 Sep 2013 Northern Debt Recovery Limited UpheldBanking and creditMr C complains that Northern Debt Recovery Limited (“NDR”) harassed him with demands for payment, after he told it he was in financial difficulties. He also complains that the interest and charges added to the debt were excessive and put him under more pressure.backgroundMr C took out a ... (2 pages)View decision -
Decision Reference DRN3382101
9 Dec 2019 Clydesdale Bank Plc Not upheldBanking and creditMrs T complains that Clydesdale Bank Plc suggested she use her personal savings to pay off her ex- husband’s debts.backgroundMrs T’s ex- husband had a number of gambling related debts. Mrs T says she agreed under duress and pressure to speak to Clydesdale about options to repay the debt. B... (2 pages)View decision -
Decision Reference DRN1503644
29 Sep 2016 Foundation for Credit Counselling Not upheldBanking and creditMr B complains that Foundation for Credit Counselling, trading as StepChange, mis-sold him a debt management plan. The complaint is brought on his behalf by a claims management company. It says a debt relief order would’ve been more suitable.backgroundMr B sought advice... (2 pages)View decision -
Decision Reference DRN0001079
9 Jul 2019 Lloyds Bank PLC Not upheldBanking and creditMr J complains about lending made to him by Lloyds Bank PLC.backgroundMr J borrowed a large amount of money from Lloyds, by first applying for and then greatly increasing an overdraft. He said he’d borrowed £2,500 in a short period of time. Mr J said he shouldn’t have been able to do that,... (4 pages)View decision -
Decision Reference DRN1794449
20 Nov 2013 Barclays Bank Plc Not upheldBanking and creditMr and Mrs E complain that Barclays Bank Plc has misled them concerning options for settlement of their debt and has provided a very poor service. They want the bank to honour the settlement offer it made.background Mr and Mrs E had a business which involved the rental and operation ... (2 pages)View decision
