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 365360 results
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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 -
Decision Reference DRN-4635420
22 Feb 2024 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4635420 The complaint Miss M complains that she was mis-sold a timeshare product and the loan used to pay for it. The loan was provided by Hitachi Capital (UK) Plc, which is now Mitsubishi HC Capital UK Plc and which I’ll refer to as Mitsubishi. Miss M has been represented in bringing ... (5 pages)View decision -
Decision Reference DRN-4401244
22 Feb 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4401244 The complaint Mr M complains HSBC UK Bank Plc have unfairly defaulted his overdraft. What happened In February 2023 Mr M says his account with HSBC became overdrawn. He contacted HSBC, and agreed a repayment plan for six months at £104 a month for his overdraft – it started 1 M... (3 pages)View decision
