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 70661 results
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Decision Reference DRN5024199
22 Jun 2016 HSBC Bank plc UpheldBanking and creditMrs B complains that HSBC Bank Plc is pursuing her for a debt which it last contacted her about in 1999. She says HSBC is time-barred from pursuing the debt and that its actions have caused her distress and inconvenience. She would like the bank to write off the de... (2 pages)View decision -
Decision Reference DRN6712460
7 Oct 2015 Sainsbury's Bank Plc Not upheldBanking and creditMr L complains that Sainsbury’s Bank Plc recorded adverse information on his credit file and refused to remove a default after he settled his credit card debt.backgroundMr L had a credit card with Sainsbury’s Bank. In 2011 he contacted Sainsbury’s to let it know he wa... (3 pages)View decision -
Decision Reference DRN7036414
24 Oct 2013 Hillesden Securities Limited Not upheldBanking and creditMrs Y complains about Hillesden Securities Limited (trading as DLC) asking her to repay a debt that she says is not hers. She says the debt was for her deceased husband and it was in his sole name. She says it was not a joint debt and she should not therefore be asked to repay the debt. b... (2 pages)View decision -
Decision Reference DRN7471506
16 Dec 2015 CitiFinancial Europe Plc Not upheldBanking and creditMr J complains that CitiFinancial Europe Plc did not contact him about his debt for nearly six years, and then sold the debt without telling him.background In 2000 Mr J borrowed over £3,500 from CitiFinancial. He was supposed to pay back £135 a month, but he soon ... (2 pages)View decision -
Decision Reference DRN-3249479
14 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3249479 The complaint Mrs C complaints that NewDay Ltd (Aqua) lent to her irresponsibly What happened In December 2015, Mrs C applied for a credit card from Aqua. It was agreed with a limit of £900. Her limit was then increased as shown: In June 2019, Mrs C’s account was put onto a pay... (5 pages)View decision -
Decision Reference DRN1660870
30 Jun 2014 Microcredit Limited UpheldBanking and creditMiss G complains about the way Microcredit Limited (trading as MiniCredit.co.uk) has treated her when she experienced financial difficulties. backgroundMiss G took out a loan with Microcredit repayable within 42 days. She experienced financial difficulties during this time and opened a d... (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 DRN6201291
26 Jun 2017 MBNA Limited Not upheldBanking and creditMr K complains that MBNA Limited have been harassing and intimidating him over a debt. He doesn’t feel it has any right to pursue him because of his age. backgroundMr K says MBNA have inundated him with phone calls and letters. Although his account is in debt he un... (2 pages)View decision -
Decision Reference DRN-3905295
18 Jan 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3905295 The complaint Mrs H complains that HSBC UK Bank Plc passed her data to a third-party debt collector unlawfully, without her consent. She also complains that HSBC did not handle her complaint correctly. What happened Mrs H had a credit card with HSBC. In 2014, HSBC said the acco... (7 pages)View decision -
Decision Reference DRN3790238
14 Dec 2016 Debitum Limited UpheldBanking and creditMr and Mrs M complain that Debitum Limited told them that they would be debt free after five years in a debt management plan, (“DMP”) with it. But, after completing the DMP, they were unhappy to discover that they still owed substantial sums to their creditors.backgr... (2 pages)View decision
