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 70661 results
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Decision Reference DRN0672252
6 Jun 2017 Vanquis Bank Limited UpheldBanking and creditMiss C complains that Vanquis Bank Limited added a default to her credit file when she’d been told this wouldn’t happen if she kept in touch. She wants it removed.backgroundMiss C says that in May 2016 she contacted Vanquis to tell it she’d lost her employment. And t... (2 pages)View decision -
Decision Reference DRN7524246
3 Oct 2019 Kapama Limited UpheldBanking and creditMiss J complains that Kapama Limited have asked her to repay too much towards the loan she took out with a different lender.backgroundIn 2012, Miss J took out a pay day loan for £170 with a lender. The account fell into arrears and the lender applied charges to the account – the total bala... (4 pages)View decision -
Decision Reference DRN7875474
7 Feb 2017 DEBT CORRECT Not upheldBanking and creditMrs B complains about the service she received from Debt Correct under her debt management plan.backgroundMrs B’s debt management plan (DMP) was set up in 2012.Mrs B complained to DC in 2016 about the service she’d received. And, being unhappy with its response, she ... (2 pages)View decision -
Decision Reference DRN1356458
19 Dec 2019 PRA Group (UK) Limited UpheldBanking and creditMr C complains that PRA Group (UK) Limited (trading as PRA Group) are pursuing him for a debt that is unenforceable. background PRA Group purchased a debt that was owed by Mr C from the original creditor in October 2016. At the time the debt was purchased, he was making payments of £152.20... (3 pages)View decision -
Decision Reference DRN-2481581
6 Jan 2021 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-2481581 The complaint Mr T says Clydesdale Financial Services Limited, trading as Barclays Partner Finance (“BPF”), offered to clear his debt with them but are now pursuing him for that debt. He’d like them to write it off because he says his health has deteriorated and he has no way o... (3 pages)View decision -
Decision Reference DRN7932782
7 Mar 2018 Christians Against Poverty Not upheldBanking and creditMrs M has complained about Christians Against Poverty’s management of her debt in 2011- 2012 when she was in a debt management plan with her (now ex-) husband. She wants them to pay back arrears that built up towards her mortgage, as well as arrange to remove Coun... (3 pages)View decision -
Decision Reference DRN-3364893
13 Apr 2022 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-3364893 The complaint Mr V has complained about Lowell Portfolio I Ltd purchasing a debt which he says isn’t his. What happened This complaint is about a consumer credit account that was opened in 2017, defaulted in 2019, and was sold to Lowell in 2021. After Lowell bought the account,... (2 pages)View decision -
Decision Reference DRN-2445468
11 Jan 2021 Santander UK Plc Not upheldMortgagesDRN-2445468 The complaint Mr and Mrs H are unhappy that Santander UK Plc wouldn’t lend them further money on their mortgage to consolidate their debts. They say this forced them to move their mortgage elsewhere and thus incur a £7,260.72 early repayment charge (ERC). Mr and Mrs H have said... (3 pages)View decision -
Decision Reference DRN6035950
29 Apr 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs F complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (L&G).backgroundMr and Mrs F met with an appointed representative of L&G in 2005 when the fixed rate period on their cur... (3 pages)View decision -
Decision Reference DRN-3344029
1 Mar 2022 National Westminster Bank Plc UpheldConsumer CreditDRN-3344029 The complaint Mr M complains that National Westminster Bank Plc (NatWest) marked his credit file with missed payments for his personal loan and transferred his current account debt and personal loan to a debt collection agency (DCA). What happened Mr M had a current account and... (5 pages)View decision
