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 DRN7611584
26 Jun 2017 Next Retail Limited Not upheldBanking and creditMrs P complains about adverse data on her credit file in relation to a debt with Next Retail Limited (Next). She believes she has settled the debt. She would like the adverse data removed.backgroundMrs P says Next sold her outstanding debt on in 2014. She says she made ... (2 pages)View decision -
Decision Reference DRN0312629
7 Dec 2017 The Co-operative Bank Plc Not upheldBanking and creditMr P complains that The Co-operative Bank plc reported incorrect information to a credit reference agency and breached data protection.He has also said that Co-op sold the debts on his credit cards and didn’t comply with the Lending Code. background Mr P has told us t... (4 pages)View decision -
Decision Reference DRN1198175
21 Nov 2018 Totemic Limited Not upheldBanking and creditMiss B complains that Totemic Limited, trading as Payplan, have cancelled her debt management plan (DMP). She wants it reinstating.backgroundMiss B entered into a DMP with Payplan in 2009 but in a review of her plan this year, Payplan told her they would be cance... (2 pages)View decision -
Decision Reference DRN-4554790
17 May 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4554790 The complaint Mrs P complains that interest and charges refunded by TSB Bank plc should’ve been refunded to her personally rather than to her account. What happened Mrs P had an overdraft with TSB Bank Plc which was included within a Debt Relief Order (DRO) granted in September... (2 pages)View decision -
Decision Reference DRN7288099
11 Jun 2019 National Westminster Bank Plc Not upheldBanking and creditMr H has complained that after National Westminster Bank Plc (Natwest) upheld an earlier complaint he had made about mis-selling him a packaged bank account, it decreased the amount of compensation it paid him to reduce a debt it said he owed from several years earlier... (3 pages)View decision -
Decision Reference DRN-2333185
9 Dec 2020 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2333185 The complaint Miss N complains that Cabot Credit Management Group Limited is chasing her for a debt which she disputes its entitled to collect from her. She wants it to cease collection activity and provide her with the information she’s requested. What happened Miss N tells u... (4 pages)View decision -
Decision Reference DRN4206690
14 Feb 2020 Lloyds Bank PLC Not upheldBanking and creditMr B complains that Lloyds Bank PLC unfairly placed late payment markers on his credit file.backgroundMr B got into financial difficulty a number of years ago. He entered into a debt arrangement scheme. But he says Lloyds continued to mark his credit file with late payments, even though hi... (3 pages)View decision -
Decision Reference DRN-2796196
6 May 2021 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-2796196 The complaint Mr B complains about what happened to his account with HSBC UK Bank plc after he tried to switch to another bank, and close this account as part of that process. What happened Mr B said he moved his account from HSBC to a different bank. He said this was supposed... (6 pages)View decision -
Decision Reference DRN-3777392
2 Nov 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3777392 The complaint Mrs R complains that Bank of Scotland plc has enforced a personal guarantee she signed, and so is pursuing her for a debt. What happened The background to this case is well-known to both parties, so I won’t repeat it in detail here and will just set out a brief su... (2 pages)View decision -
Decision Reference DRN0678742
10 Dec 2015 Motormile Finance UK Limited UpheldBanking and creditMr R complains about Motormile Finance UK Limited’s customer service. He says its contact with him has been excessive and aggressive. background Motormile is a debt collector. It has bought a number of Mr R’s debts. Mr R complains about Motormile’s contact with him. H... (2 pages)View decision
