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 DRN-3679640
2 Feb 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3679640 The complaint Mr J is complaining that Barclays Bank UK PLC trading as Barclaycard treated him unfairly when his account fell into persistent debt. What happened Mr J had a credit card account with Barclaycard. Mr J had a credit limit of £1,600 and made the majority of regular ... (3 pages)View decision -
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 DRN-3792023
18 Nov 2022 Landmark Mortgages Limited Not upheldMortgagesDRN-3792023 The complaint Mr and Mrs T’s settlement offer for their outstanding loan debt was rejected in 2015 by Landmark Mortgages Limited trading as NRAM. They complain that Landmark secretly decided it would accept a higher offer, which they could’ve afforded, but never told them. What... (3 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 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 -
Decision Reference DRN-2257174
22 Dec 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2257174 The complaint Ms W complains that Vanquis Bank Limited was irresponsible when giving her a credit card and credit limit increase. She also complains about the way Vanquis treated her when it was chasing her for payments. What happened In October 2014 Ms W was successful in appl... (3 pages)View decision -
Decision Reference DRN2919637
16 Oct 2014 WDFC UK Limited UpheldBanking and creditMiss D complains about a loan from WDFC UK Limited trading as Wonga.com (“Wonga”). Miss D says she repaid Wonga but was then pursued for the same debt by a debt collection company more than two years later, and paid it a second time. Miss D wants a refund and compensation from Wonga... (3 pages)View decision -
Decision Reference DRN-4460776
17 Nov 2023 NRAM Limited UpheldMortgagesDRN-4460776 The complaint Miss A complains that NRAM Limited Will not accept her offer of full and final settlement of a shortfall debt. Caused her distress by raising her expectations by telling her it would consider a full and final offer and then rejecting it without properly consider... (4 pages)View decision -
Decision Reference DRN4072970
30 Sep 2016 Vincent Bond & Co. Limited UpheldBanking and creditMrs B complains that Vincent Bond and Co. Limited was wrong to provide her with a debt management plan when she could have accessed the same service for free elsewhere.Mrs B brings her complaint with the help of a claims management company (CMC). For ease of reading ... (3 pages)View decision
