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 DRN-2432109
28 Dec 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2432109 The complaint Mr R complains that National Westminster Bank Plc, trading as NatWest, closed his bank accounts and added a default to his credit file. And he’d like this removed. What happened Mr R had a current account, some savings accounts and a Credit card with NatWest. Betw... (3 pages)View decision -
Decision Reference DRN6241646
2 Jan 2014 1st Credit (Finance) Limited Not upheldBanking and creditMr B complains that 1st Credit (Finance) Limited has asked him for repayment for a debt that he has not acknowledged and which he has heard nothing from the creditor for the past six years. He says 1st Credit has not shown that the debt is not statute barred under The Limitations Act 19... (2 pages)View decision -
Decision Reference DRN4822689
2 May 2018 Home Retail Group Card Services Limited Not upheldBanking and creditMr W complains that Home Retail Group Card Services Limited offset a refund of fees due to him against an outstanding balance he believed had been settled by an earlier full and final settlement agreement.backgroundMr W held a store card issued by Home Retail Group. He fe... (2 pages)View decision -
Decision Reference DRN9412903
20 Feb 2014 HSBC Bank plc Not upheldBanking and creditMs B complains that HSBC Bank Plc failed to remove her deceased husband’s name as an additional cardholder when requested to do so. She also complains that a debt collection agency has recently contacted her about the repayment of a credit card debt she held with HSBC. backgroundMs B h... (2 pages)View decision -
Decision Reference DRN2829284
1 Nov 2017 Foundation for Credit Counselling Not upheldBanking and creditMiss B complains about the advice that she was given by Foundation for Credit Counselling, trading as StepChange, in connection with her debt relief order.backgroundMiss B contacted StepChange about her debts in 2014. It prepared a personal action plan for her in November... (2 pages)View decision -
Decision Reference DRN1356458
19 Dec 2019 PRA Group (UK) Limited UpheldBanking and creditMr C complains that PRA Group (UK) Limited (trading as PRA Group) are pursuing him for a debt that is unenforceable. background PRA Group purchased a debt that was owed by Mr C from the original creditor in October 2016. At the time the debt was purchased, he was making payments of £152.20... (3 pages)View decision -
Decision Reference DRN6118690
22 Nov 2016 123 Debt Solutions Ltd Not upheldBanking and creditMr W complains that 123 Debt Solutions Limited, (“DSL”), didn’t provide him with appropriate information when he entered into a debt management plan (“DMP”) with it. The complaint is brought to this service on Mr W’s behalf by a claims management company (“CMC”). But f... (3 pages)View decision -
Decision Reference DRN7143138
21 Oct 2020 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs C complain through their complaints management company (“CMC”) that they got unsuitable advice from Legal & General Partnership Services Limited (“L&G”) including to pay an early repayment charge (“ERC”) when they remortgaged in 2008. background Mr and Mrs C remortgaged ... (4 pages)View decision -
Decision Reference DRN6117097
23 Sep 2018 Barclays Bank Plc Not upheldBanking and creditMr C complains about how Barclays Bank Plc dealt with the debt on his credit card account.backgroundMr C said that he used to have a credit card account with Barclays, but the account had defaulted in 2016. Mr C said that he thought that the default should’ve been a... (3 pages)View decision -
Decision Reference DRN6010085
23 Aug 2018 Lantern Debt Recovery Services Ltd Not upheldBanking and creditMr A is unhappy with the way Lantern Debt Recovery Services Ltd collected his debt.backgroundIn May 2011 Mr A took out a payday loan. He wasn’t able to repay it within the terms of the agreement so the loan went into arrears. In May 2015 Lantern bought this debt ... (2 pages)View decision
