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 70370 results
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Decision Reference DRN-2170023
21 Oct 2020 Debt Managers (Services) Limited Not upheldConsumer CreditDRN-2170023 The complaint Mr F has complained that Debt Managers (Services) Limited are chasing him for a debt he says he doesn’t owe. What happened In May 2019, Debt Managers bought a defaulted loan debt from the original creditor, and sent a notice of assignment to Mr F. Mr F initially e... (3 pages)View decision -
Decision Reference DRN3529845
1 Mar 2016 Cabot Financial (Europe) Limited Not upheldBanking and creditMr and Mrs J complain that Cabot Financial (Europe) Limited pursued them for a debt they didn’t owe, and failed to tell them it had bought that debt from the original creditor.background In March 2015 Mr and Mrs J were contacted by Cabot’s solicitors about a debt of... (2 pages)View decision -
Decision Reference DRN9543871
12 Sep 2014 Debt Connect (U.K.) Limited UpheldBanking and creditMiss Q and Mr D complain that Debt Connect (U.K.) Limited, trading as Debt Connect, has provided them with poor customer service. In particular, Debt Connect failed to forward to their creditors most of the monthly repayment amounts they sent to Debt Connect for onward distribution to ... (2 pages)View decision -
Decision Reference DRN7784390
30 Mar 2017 Arrow Global Limited Not upheldBanking and creditMr W complains that Arrow Global Limited, (“AGL”), has unfairly instructed three debt collectors to seek repayment from him of three debts.backgroundMr W had three debts with a bank (“B”). These were for a loan, an overdraft and a credit card. He had entered into a d... (3 pages)View decision -
Decision Reference DRN5877582
14 Dec 2018 Lowell Financial Ltd Not upheldBanking and creditMs S complains Lowell Financial Ltd incorrectly reported to a credit reference agency she’s been in a debt management plan (DMP) which has impacted her ability to get a mortgage.Ms S was previously known by her married name of Mrs L. But to prevent confusion I’ll... (3 pages)View decision -
Decision Reference DRN-3119246
20 Oct 2021 The Royal Bank of Scotland Plc UpheldConsumer CreditDRN-3119246 The complaint Mr C and Mrs C complain that The Royal Bank of Scotland Plc (RBS) are still pursuing them for a debt. What happened Mr C and Mrs C owed RBS the following amounts: Between 7 November 2018 and 28 January 2019, there were three credits paid into account A - £450, £17... (4 pages)View decision -
Decision Reference DRN4700566
5 Mar 2020 Barclays Bank UK PLC Not upheldBanking and creditR, a limited company, complains that Barclays Bank UK PLC unfairly closed its business accounts. R is represented by its directors, who I’ll refer to as Mrs P and Mr P. Mrs P asks for an explanation for the account closure, an apology for the way they’ve been treated and interest on the ov... (3 pages)View decision -
Decision Reference DRN1617455
7 Aug 2014 Barclays Bank Plc Not upheldBanking and creditMr V complains Barclays Bank Plc:1.set off his payment protection insurance (PPI) refund against joint debt;2.sold his debt to a third party collector;3.misused his debit card details;4.defaulted his Barclaycard account; and5.applied unfair penalty charges. backgroundIn 2012 Mr V’s B... (2 pages)View decision -
Decision Reference DRN8167607
20 Apr 2015 RG Debt Management Services Limited Not upheldBanking and creditMr M complains about RG Debt Management Services Limited (trading as Debt Line). He says that, although it promised to reduce his debts, stop charges and make him debt free, since he had been paying for its services one of his debts had nearly doubled and he had overp... (2 pages)View decision -
Decision Reference DRN4661245
10 Feb 2014 Capital One (Europe) plc Not upheldBanking and creditMrs S complains that a credit card account with Capital One (Europe) plc was fraudulently set up in her name. The complaint is brought on her behalf by her representative, “Mr T”.backgroundMrs S says that her former partner took out a credit card in her name and kept it concealed from he... (3 pages)View decision
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