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
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Decision Reference DRN2610730
8 Aug 2017 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Ms Z has complained about the way The Royal Bank of Scotland Plc (‘RBS’) wants to use PPI compensation it has agreed to pay her after she complained about the mis-sale of payment protection insurance (‘PPI’).backgroundMs Z took out a credit card with RBS in September 20... (2 pages)View decision -
Decision Reference DRN9690321
31 May 2018 Barclays Bank Plc Not upheldBanking and creditMr N seeks to complain about the way Barclays Bank Plc has pursued him for a debt it says Mr N has owed it for some years and also how the interest and charges were applied to it.backgroundBarclays sent Mr N its final response letter about the interest and charges... (2 pages)View decision -
Decision Reference DRN0670895
2 Sep 2015 MBNA Limited Not upheldBanking and creditMs D complains that MBNA Limited incorrectly recorded a default on her credit reference file.backgroundIn 2010 Ms D found herself in financial difficulties and approached a debt management company to help her. It sent MBNA a statement of her income and expenditure ... (2 pages)View decision -
Decision Reference DRN-2481581
6 Jan 2021 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-2481581 The complaint Mr T says Clydesdale Financial Services Limited, trading as Barclays Partner Finance (“BPF”), offered to clear his debt with them but are now pursuing him for that debt. He’d like them to write it off because he says his health has deteriorated and he has no way o... (3 pages)View decision -
Decision Reference DRN-2797446
9 Jun 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2797446 The complaint Mr P is unhappy that Barclays Bank UK PLC, trading as Barclaycard, advised that they’d be suspending his credit account. What happened Mr P had held his Barclays credit account since 2002, but in November 2020 he received a letter from Barclays advising that they’... (3 pages)View decision -
Decision Reference DRN8111863
9 Apr 2019 Totemic Limited Not upheldBanking and creditMr and Mrs P complain that they were badly advised about their debts by Totemic Limited.backgroundIn 2009, Mr and Mrs P approached Totemic for help with managing their financial situation. After collecting information relating to their income and expenditure, Totemi... (4 pages)View decision -
Decision Reference DRN-3460117
16 Aug 2022 JAJA FINANCE LTD UpheldBanking and PaymentsDRN-3460117 The complaint Mr G complains that Jaja Finance Limited (Jaja) withdrew the direct debit facility for his credit card without advising him. That he was unaware of debts on the card or of the debt being sold on. He would like his credit file amended and compensation for the inc... (2 pages)View decision -
Decision Reference DRN6035950
29 Apr 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs F complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (L&G).backgroundMr and Mrs F met with an appointed representative of L&G in 2005 when the fixed rate period on their cur... (3 pages)View decision -
Decision Reference DRN6221145
16 Oct 2015 National Westminster Bank Plc Not upheldBanking and creditMs D complains that, in spite of making substantial repayments, she has been unable to clear her credit card debts because of excessive interest charged by National Westminster Bank plc.backgroundMs D has two credit card accounts with NatWest. She says that she ran u... (3 pages)View decision -
Decision Reference DRN8396729
19 Jan 2016 Arrow Global Limited UpheldBanking and creditMr T complains that Arrow Global Limited (“Arrow”) continued to demand payment of a debt even though it’s statute barred.backgroundArrow bought Mr T’s store card debt in 2011. Mr T says he hadn’t made any payments towards the debt since the end of 2005 when he fell ... (3 pages)View decision
