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 DRN5276101
15 Aug 2017 Santander UK Plc UpheldInsurance (excluding PPI)Miss M complains, via her relative, that Santander UK Plc has unfairly pursued her for unpaid insurance premiums which it attached to her mortgage which finished in 2004. She said the amount owing should be waived by Santander in acknowledgement of its error.background... (2 pages)View decision -
Decision Reference DRN-1003508
2 Jul 2020 Arrow Global Limited UpheldConsumer CreditThe complaint Miss S has complained that Arrow Global Limited has been pursuing her for a debt which isn’t hers. What happened Miss S is unhappy that Arrow Global is pursuing her for a debt which she thinks might be for a fraudulent loan from 2004. She wants Arrow Global to provide proof o... (2 pages)View decision -
Decision Reference DRN-2859950
18 Jun 2021 Lantern Debt Recovery Services Ltd UpheldConsumer CreditDRN-2859950 The complaint Mr P complains that Lantern Debt Recovery Services Ltd was chasing him for a debt which he denied was his. He seeks compensation for the costs he’s incurred. What happened Mr P tells us that he received notification by post in July 2020 regarding the repayment of ... (3 pages)View decision -
Decision Reference DRN7648890
8 Dec 2015 Knightsbridge Insolvency Services Limited Not upheldBanking and creditMiss W complains that Knightsbridge Insolvency Services Limited wrongly advised her to enter into a protected trust.backgroundMiss W explains that Knightsbridge Insolvency Services Limited advised her to enter into a protected trust. She says that she explained that one o... (2 pages)View decision -
Decision Reference DRN1422905
5 Dec 2018 Clydesdale Financial Services Limited Not upheldBanking and creditMr S complains that despite Clydesdale Financial Services Limited, trading as Barclays Partner Finance (“BPF”) writing to him to say his debt had been written off and this being confirmed by the debt management company, he later received a letter to say he still had th... (2 pages)View decision -
Decision Reference DRN-5543371
16 May 2025 PRA Group (UK) Limited Not upheldConsumer CreditDRN-5543371 The complaint Miss C complains that PRA Group (UK) is unfairly reporting adverse information to Credit Reference Agencies (“CRAs”). What happened Miss C held a credit card account with a bank I’ll refer to as “B”. She experienced some difficulty in maintaining repayments, a... (3 pages)View decision -
Decision Reference DRN8285950
12 Mar 2014 Capital One (Europe) plc UpheldBanking and creditMr C complains that Capital One (Europe) plc wants him to repay a credit card debt that he ran up after asking it to close his account.backgroundIn 2011/12 Mr C suffered a period of financial difficulty resulting, at least in part, from a gambling addiction. In August 2012 Mr C’s fathe... (2 pages)View decision -
Decision Reference DRN-4066415
3 Oct 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4066415 The complaint Mr S complains that Barclays Bank UK PLC trading as Barclaycard has reported a default on a debt that is deemed unenforceable. What happened Both parties are aware of the circumstances of the complaint, so I won’t repeat them in detail here. In summary, Mr S and B... (4 pages)View decision -
Decision Reference DRN3557614
30 Sep 2014 Lloyds Bank PLC Not upheldBanking and creditMr T complains that Lloyds Bank PLC is pursuing him for a debt that he says is not his. backgroundMr T was a partner in a business, from which he resigned in 2009. Lloyds says that it has no record of Mr T’s resignation and, as a partner, it considers that he remains jointly and several... (2 pages)View decision -
Decision Reference DRN6118690
22 Nov 2016 123 Debt Solutions Ltd Not upheldBanking and creditMr W complains that 123 Debt Solutions Limited, (“DSL”), didn’t provide him with appropriate information when he entered into a debt management plan (“DMP”) with it. The complaint is brought to this service on Mr W’s behalf by a claims management company (“CMC”). But f... (3 pages)View decision
