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 69825 results
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Decision Reference DRN6811550
16 Oct 2019 Arrow Global Limited Not upheldBanking and creditMrs B complains about Arrow Global Limited chasing her for a debt which isn’t enforceable. She wants them to cease debt collection activity and for the balance to be written off. The complaint has been brought by a representative, who I’ll refer to as ‘F’.backgroundF complained to Arrow Gl... (2 pages)View decision -
Decision Reference DRN2830779
13 Aug 2015 MBNA Limited Not upheldBanking and creditMr H complains that after receiving his payment protection insurance (“PPI”) refund, he then received threatening letters and suffered belligerent and unresponsive behaviour from debt collection agencies collecting the outstanding debt on a credit card issued by MBNA Limi... (3 pages)View decision -
Decision Reference DRN0594241
5 Jul 2013 Paratus AMC Limited Not upheldBanking and creditK820x summary of complaintMrs and Mr G complain that Paratus AMC Limited were irresponsible to lend to them as it did not consider the level of their outstanding debt. They said the mortgage is now unaffordable to them.background to complaintMrs and Mr G approached a broker for help ... (2 pages)View decision -
Decision Reference DRN-3426927
8 Dec 2022 China Taiping Insurance (UK) Co Ltd Not upheldInsuranceDRN-3426927 The complaint A company, which I’ll refer to as H, complains that China Taiping Insurance (UK) Co Ltd cancelled its retail catering policy and declined its claim for flood damage. The director of H, whom I’ll refer to as Mr S, brings the complaint on H’s behalf. What happened H... (4 pages)View decision -
Decision Reference DRN-4623586
15 Mar 2024 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-4623586 The complaint Mr S complains that Link Financial Outsourcing Limited is attempting to collect a debt that is statute barred. What happened In the 1990s Mr S took out student loans. Mr S has explained that in 2004 he didn’t defer the loan repayments and the account was ultimatel... (3 pages)View decision -
Decision Reference DRN3272311
27 May 2016 Cabot Financial (UK) Limited Not upheldBanking and creditMs B complains that Cabot Financial (UK) Limited is pursuing her for a debt on a store card that she says she didn’t own or use.background Ms B was being pursued in 2008 for a debt on a store card account but she says that the debt isn’t hers. The debt was assi... (2 pages)View decision -
Decision Reference DRN8695937
16 Sep 2014 Vanquis Bank Limited UpheldBanking and creditMr F complained because he was being pursued by a debt collection agency for a credit card debt to Vanquis Bank Limited. Mr F said he had paid £800 to a doorstep collector as a deal to end his debts, and therefore no money was due. He wants the account to be closed so he is no lon... (2 pages)View decision -
Decision Reference DRN-4344208
17 Jan 2024 Capquest Debt Recovery Limited UpheldConsumer CreditDRN-4344208 The complaint Mr L complains Capquest Debt Recovery Limited told him they’d acquired a County Court Judgment (CCJ) for his debt when they didn’t. And he says Capquest have used this information to get him to repay the debt which he doesn’t think is fair. Capquest have used agen... (3 pages)View decision -
Decision Reference DRN0843851
15 Nov 2016 Baines & Ernst Limited Not upheldBanking and creditMiss B complains that a debt management plan was mis-sold to her by Baines & Ernst Limited. She is being helped with her complaint by a representative.backgroundMiss B entered into a debt management plan with Baines & Ernst in November 2012. It was cancelled in... (2 pages)View decision -
Decision Reference DRN6895711
29 Aug 2018 Barclays Bank Plc Not upheldBanking and creditThe estate of the late Mrs P complains about how Barclays Bank Plc managed her debt to the bank. Mr P brings this complaint on behalf of the estate.backgroundWhen Mrs P died, the estate discovered that she owed money, including to Barclays. The estate said that ... (2 pages)View decision
