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 360264 results
-
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 -
Decision Reference DRN-4458503
22 Feb 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4458503 The complaint Mr M complains HSBC UK Bank Plc have recorded late markers for his overdraft incorrectly. He’s also unhappy with the customer service he received when setting up the payment plan. What happened As I understand it, following an account switch in March 2023 Mr M was... (3 pages)View decision -
Decision Reference DRN-4467277
22 Feb 2024 HSBC UK Bank Plc Not upheldConsumer CreditDRN-4467277 The complaint Mr A complains HSBC UK Bank Plc have unfairly defaulted his personal loan account. What happened Mr A took out a personal loan with HSBC in April 2020 for £15,000 over a period of five years. The monthly repayment was £271.22. The information I have shows the acco... (4 pages)View decision -
Decision Reference DRN-4513456
22 Feb 2024 Moorcroft Debt Recovery Limited Not upheldConsumer CreditDRN-4513456 The complaint Mr A complains Moorcroft Debt Recovery Limited told him no further action would be taken to collect his debt – but a default was recorded. What happened Mr A’s debt regarding a personal loan had been passed to Moorcroft by his bank, who I’ll refer to as H, to reco... (2 pages)View decision -
Decision Reference DRN-4476711
22 Feb 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4476711 Complaint Mrs P has complained about an overdraft that Barclays Bank UK PLC (“Barclays”) provided to her and then increased the limit on. She says the overdraft she was provided with, which then had its limit increased, was unaffordable for her given she already had other loans... (3 pages)View decision -
Decision Reference DRN-4637628
22 Feb 2024 Equifax Limited UpheldConsumer CreditDRN-4637628 The complaint Mr W complains Equifax Limited failed to remove a Notice of Correction (NOC) when he first asked them to. What happened On 17 July 2023 Mr W asked Equifax to remove a NOC from his credit file – the NOC listed a large number of accounts. On 21 July 2023 Equifax rep... (2 pages)View decision -
Decision Reference DRN-4637626
22 Feb 2024 Equifax Limited UpheldConsumer CreditDRN-4637626 The complaint Mrs W complains Equifax Limited added a third party to her credit file. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant elements of this below, and they form part of this final deci... (4 pages)View decision
