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 360982 results
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Decision Reference DRN-4473377
22 Feb 2024 Lendable Ltd Not upheldBanking and PaymentsDRN-4473377 The complaint Mr C has complained that his card payment to an insurer was wrongly declined by Lendable Ltd, trading as Zable. It has offered him £75 compensation, but he feels this is unfair. What happened Mr C called his insurer to make a payment with his Zable credit card. Un... (2 pages)View decision -
Decision Reference DRN-4469629
22 Feb 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4469629 The complaint Mrs B has complained about Bank of Scotland plc, trading as Halifax, incorrectly placing a default on her credit file in October 2017. What happened In 2016, Mrs B had arrears on her Halifax credit card account, and it issued a default notice. Although she then cl... (1 page)View decision -
Decision Reference DRN-4469198
22 Feb 2024 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-4469198 The complaint Mr S has complained that Tesco Personal Finance PLC, trading as Tesco Bank, hasn’t written off a debt he owes it. What happened Mr S has a debt with Tesco. He’s explained that his other creditors have all written off his debts, but only Tesco hasn’t. He feels that... (2 pages)View decision -
Decision Reference DRN-4459313
22 Feb 2024 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4459313 The complaint Mr W has complained that National Westminster Bank Plc (‘NatWest’) took over £7,000 from one of his accounts, to pay for an alleged credit card debt. He says it did this without his consent, and that he’s not been provided with a breakdown of the debt. What happen... (2 pages)View decision -
Decision Reference DRN-4456869
22 Feb 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4456869 The complaint Mr H has complained that HSBC UK Bank Plc, trading as first direct, invited him to apply for a credit card, but then declined his application. This has affected his credit file. What happened Mr H had recently moved his bank account to first direct. He then receiv... (2 pages)View decision -
Decision Reference DRN-4426835
22 Feb 2024 Healthcare Finance Limited UpheldConsumer CreditDRN-4426835 The complaint Miss H has complained that Healthcare Finance Limited, through its agent, continued to take monthly repayments from her account, even though the loan had been fully repaid. What happened Miss H had a loan with Healthcare Finance, which she repaid in full. However,... (1 page)View decision -
Decision Reference DRN-4592638
22 Feb 2024 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-4592638 The complaint Mrs W has complained that Tesco Personal Finance PLC hasn’t refunded her for a collection fee, when she returned a sofa set she’d bought using her Tesco credit card. What happened Mrs W bought a sofa set using her credit card. However, when it arrived, she’s expla... (2 pages)View decision -
Decision Reference DRN-4636711
22 Feb 2024 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4636711 The complaint Mrs H complains about the sale of a timeshare. She says that Mitsubishi HC Capital UK Plc (who I’ll call Mitsubishi) financed the purchase and that she therefore has claims against it. Mrs H has brought her complaint through a representative, so references to her ... (4 pages)View decision -
Decision Reference DRN-4474171
22 Feb 2024 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4474171 The complaint Miss M has complained about a default which she feels Capital One (Europe) plc unfairly recorded on her credit file. What happened Miss M has explained that she spoke to Capital One in November 2022, to say she’d changed jobs and wasn’t sure how much she’d be paid... (2 pages)View decision -
Decision Reference DRN-4508514
22 Feb 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4508514 The complaint Mr B complains National Westminster Bank Plc (NatWest) have defaulted his credit card account without agreeing this with him. What happened Mr B says during the 2020 / 2021 Pandemic like most of the country he had payment plans to help him with his current financi... (4 pages)View decision
