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 69711 results
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Decision Reference DRN5592917
17 Apr 2013 MBNA Limited UpheldBanking and creditMrs G complained about MBNA Limited (“MBNA”) not refunding a payment to her credit card account – which had been transferred to MBNA from another credit card provider - following a claim she made under section 75 of the Consumer Credit Act 1974 (“section 75”) for services she did not re... (2 pages)View decision -
Decision Reference DRN8926548
10 Jan 2014 MKDP LLP Not upheldBanking and creditMr B complains that MKDP LLP is pursuing him for a debt, but has failed to provide him with necessary information about that.background In 2008 Mr B took out a loan with another business which I shall call C. In 2010, when Mr B had significant arrears on the account, C sold the debt t... (2 pages)View decision -
Decision Reference DRN4556640
24 Sep 2015 Capquest Debt Recovery Limited UpheldBanking and creditMr W complains that Capquest Debt Recovery Limited has continued to pursue him for payment of a debt which has already been settled.background A debt Mr W had was assigned to Capquest in 2012. In 2014 he made an individual voluntary arrangement (IVA) covering a numb... (2 pages)View decision -
Decision Reference DRN1584632
14 Aug 2017 Lowell Portfolio I Ltd Not upheldBanking and creditMr C complains that Lowell Portfolio I Ltd sent letters to an old address in respect of a credit card debt and then imposed charges. backgroundMr C had a credit card debt and the bank passed the debt to Lowell. Mr C says he wasn’t aware he owned any money and so he ... (1 page)View decision -
Decision Reference DRN-3872237
17 Mar 2023 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3872237 The complaint Mr S complains about two charging orders applied to his domestic property by National Westminster Bank Plc and about the bank not providing reasonable assistance to get them removed. What happened In September 2021, Mr S sought to re-mortgage his domestic property... (4 pages)View decision -
Decision Reference DRN-3457165
24 Oct 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3457165 The complaint Ms B complains about the actions of National Westminster Bank Plc regarding the settlement of business debts and reviews of the bank’s lending. Ms B brings the complaint behalf of herself and the estate of her late partner, Mr A. What happened Ms B and Mr A were b... (3 pages)View decision -
Decision Reference DRN-5199237
15 Jan 2025 etika Finance UK Limited Not upheldConsumer CreditDRN-5199237 The complaint Mr D complains that Etika Finance UK Limited was irresponsible when it offered him credit. What happened Etika agreed credit of £327.39 for Mr D in September 2019. The total amount owed was £407.47 to be repaid at £11.32 a month over 36 months. Mr D met his re... (3 pages)View decision -
Decision Reference DRN8060981
8 Apr 2020 Elderbridge Limited Not upheldBanking and creditMr and Mrs K complain that Elderbridge Limited hasn’t treated them fairly when they’re been in financial difficulties repaying a second charge over their property. They want matters put right and for Mrs K not to be liable for the debt if anything happens to Mr K.backgroundMr and Mrs K had... (3 pages)View decision -
Decision Reference DRN-5278474
22 Jan 2025 Southern Pacific Mortgage Limited UpheldMortgagesDRN-5278474 The complaint Mr L complains that Southern Pacific Mortgage Limited (SPML) took payments from him in respect of a mortgage after he had been discharged from bankruptcy, and that it reported missed payments to his credit file. What happened Mr L took out a mortgage with SPML ... (4 pages)View decision -
Decision Reference DRN0513844
17 May 2013 The Royal Bank of Scotland Plc UpheldBanking and creditMrs H complains that The Royal Bank of Scotland plc misinformed her before she agreed to be a guarantor for a loan, failed to deal properly with an application to replace her as guarantor and mishandled arrangements to recover the debt from her. background Mrs H agreed to be guarantor fo... (2 pages)View decision
