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 77331 results
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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 DRN4369065
26 Nov 2019 Barclays Bank UK PLC Not upheldBanking and creditMiss G complains that Barclays Bank UK PLC is now pursuing her for a debt which it previously agreed to write off. backgroundMiss G had an account with an overdraft with Barclays. After falling into financial difficulties the account was closed in 2018 with an outstanding balance of aroun... (2 pages)View decision -
Decision Reference DRN-4784460
10 Sep 2024 Barclays Bank UK PLC UpheldConsumer CreditDRN-4784460 The complaint Mr M complains about being chased by a debt collection agency (DCA) about a debt with Barclays Bank UK PLC (Barclays). What happened Mr M has a current account with Barclays. In May 2023 and June 2023, he got letters from a debt collection agency (DCA) concerni... (2 pages)View decision -
Decision Reference DRN4074571
9 Jun 2015 HSBC Bank plc Not upheldBanking and creditMr F complains about how HSBC Bank plc has dealt with him since he accepted an ombudsman’s decision on a previous complaint.backgroundMr F was the director of a limited company, S. He complained before about the interest HSBC was charging. Mr F was also unhappy that th... (2 pages)View decision -
Decision Reference DRN-3095683
1 Nov 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3095683 The complaint Mr B complained that Bank of Scotland plc (“BoS”) had decided to make a refund from an old credit card account that was closed many years ago. But instead of paying the money to him, BoS paid it to the company that had bought this debt from BoS. What happened Mr B... (3 pages)View decision -
Decision Reference DRN3418436
11 Dec 2019 MBNA Limited Not upheldBanking and creditMr A complains that MBNA Limited transferred his debt to a third party but didn’t tell it about the reduced repayment agreement that he was on at that time.background Mr A had a credit card debt with MBNA. He was making monthly payments of more than £400 but contacted MBNA in January 2018 ... (4 pages)View decision -
Decision Reference DRN-1562406
19 Jun 2020 Bank of Scotland Plc UpheldMortgagesThe complaint Miss J has complained that Bank of Scotland plc (‘BOS’) has, on several occasions, provided her with an incorrect balance in relation to a debt. What happened In 2010 a court separated a debt owed to BOS by Miss J and her former partner, and each was required to separately pa... (3 pages)View decision -
Decision Reference DRN-3504542
22 Jun 2022 Santander UK Plc UpheldMortgagesDRN-3504542 The complaint Miss K complains that Santander UK Plc continued to report her mortgage account to the credit reference agencies after she was no longer liable for the debt following her bankruptcy. What happened Miss K took out a joint mortgage with Santander in 2006. She was de... (4 pages)View decision -
Decision Reference DRN8256716
27 Sep 2016 Arrow Global Limited Not upheldBanking and creditMs C complains that Arrow Global Limited (“AGL”) had unreasonably delayed in pursuing a debt and applied a charging order to her property without her knowledge on a debt which she believed was unenforceable.backgroundMs C had a credit card debt with a credit card pro... (3 pages)View decision -
Decision Reference DRN-2106926
21 Aug 2020 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2106926The complaintMr A’s unhappy Cabot Credit Management Group Limited are asking him to repay a debt he says is unenforceable. This debt relates to two credit cards. A representative has brought this complaint on behalf of Mr A, but for simplicity I’ll just refer to him in this deci... (3 pages)View decision