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 71523 results
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Decision Reference DRN3858828
11 Dec 2019 Cabot Credit Management Group Limited UpheldBanking and creditMr T has complained about three credit card debts of his that have purportedly been assigned to Cabot Credit Management Group Limited (‘Cabot’). He’s unhappy about the lack of information he’s received from Cabot about the debts and how much he owes. backgroundThere are three debts, under ... (2 pages)View decision -
Decision Reference DRN1972238
22 Feb 2016 MKDP LLP Not upheldBanking and creditMr S complained that two debts, for which MKDP LLP was pursuing him, were statute barred under the Limitation Act 1980. backgroundMr S had two accounts with a bank. These accounts defaulted and were sold to the debt recovery company MKDP. MKDP pursued Mr S for the ... (2 pages)View decision -
Decision Reference DRN-3157770
30 Mar 2022 Lowell Financial Ltd UpheldConsumer CreditDRN-3157770 The complaint Mr S complains about Lowell Financial Ltd (“Lowell”) for the way it has continued to report to his credit file debts which he will not be able to repay. He wants Lowell to report these as settled, rather than partially settled. What happened In 2016, Mr S was defr... (2 pages)View decision -
Decision Reference DRN0451395
23 Apr 2015 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)Mrs P’s complaint concerns a loan and an associated payment protection insurance (PPI) policy taken with National Westminster Bank Plc. She’s unhappy that NatWest applied PPI mis-sale redress to the arrears on her loan account. our initial conclusionsOur adjudicator did n... (2 pages)View decision -
Decision Reference DRN9331934
7 Oct 2016 Foundation for Credit Counselling Not upheldBanking and creditMiss S complains that a debt management plan was mis-sold to her by Foundation for Credit Counselling, trading as StepChange. She is being helped with her complaint by a representative. backgroundMiss S asked StepChange for advice about her debts in April 2013 and ... (2 pages)View decision -
Decision Reference DRN3862533
24 Aug 2018 Christians Against Poverty Not upheldBanking and creditMs W is unhappy with how Christians Against Poverty ‘CAP’ have handled her debts.backgroundIn August 2016 Ms W contacted CAP for support handling her debts. At this time she owed money on her council tax, to two utility companies and had three other outstanding deb... (5 pages)View decision -
Decision Reference DRN2991915
4 Dec 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs F complain that Legal & General Partnership Services Limited mis-sold a mortgage to them.backgroundIn 2005, the fixed rate period on Mr and Mrs F’s mortgage came to an end and they wanted to re-mortgage at a better rate. Legal & General recommended... (2 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 DRN-3298558
2 Apr 2022 Barclays Bank UK PLC Not upheldConsumer CreditDRN-3298558 The complaint Miss W complains that Barclays Bank UK PLC provided her with incorrect information about an outstanding debt she was unaware of. What happened Miss W received a letter from a third party saying she still had a debt of over £800 from her Barclays student account. M... (2 pages)View decision -
Decision Reference DRN-4439519
10 Nov 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4439519 The complaint Mrs D complains that Barclays Bank UK PLC says she owes money to it. What happened Mrs D says she was the victim of fraud, and a debt was taken out in her name. She says Barclays wrote off the debt but is now asking her to repay it. Mrs D would like Barclays to st... (2 pages)View decision
