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 69710 results
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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 DRN-5178491
12 Dec 2024 Santander UK Plc UpheldBanking and PaymentsDRN-5178491 The complaint Miss S complains Santander UK Plc (“Santander”) closed her account after 30 days’ notice in December 2023 because of a fraud marker which had incorrectly been registered against her by another bank in 2021. Miss S is also unhappy Santander demanded full payment... (6 pages)View decision -
Decision Reference DRN8256716
27 Sep 2016 Arrow Global Limited Not upheldBanking and creditMs C complains that Arrow Global Limited (“AGL”) had unreasonably delayed in pursuing a debt and applied a charging order to her property without her knowledge on a debt which she believed was unenforceable.backgroundMs C had a credit card debt with a credit card pro... (3 pages)View decision -
Decision Reference DRN1708080
9 Sep 2016 Blue Finance Management Limited Not upheldBanking and creditMrs P complains that her debt management plan was mis sold and subsequently mis managed by Blue Finance Management Limited, trading as Debt Plan Direct.background In March 2014 Mrs P entered into a debt management plan (DMP) with Debt Plan Direct. She made payments ... (2 pages)View decision -
Decision Reference DRN6973000
27 Nov 2019 Advanced Payment Solutions Limited UpheldBanking and creditMr D is unhappy Advanced Payment Solutions Limited (APS) didn’t tell him when he settledhis debt that it had been sold to a debt collection agency.backgroundMr D had an account with APS from September 2016. The account charged a monthlysubscription of £5.95.In September 2017, APS arranged ... (4 pages)View decision -
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 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 DRN0366848
13 Mar 2017 Barclays Bank Plc UpheldBanking and creditMr H says Barclays Bank PLC, trading as Barclaycard, hasn’t dealt with his outstanding debts sympathetically or positively.backgroundMr H took out two credit cards with Egg Bank: the first was taken out in 2003, the second in 2004. In 2010 Mr H got into financial diffi... (3 pages)View decision -
Decision Reference DRN4560384
30 Mar 2019 Santander Consumer (UK) Plc Not upheldBanking and creditMrs P complains that Santander Consumer (UK) Plc recorded inaccurate information on her credit file. Mrs P also complains that the default was registered later than it should’ve been. background The background to this complaint, and my initial conclusions, were set o... (4 pages)View decision -
Decision Reference DRN0312629
7 Dec 2017 The Co-operative Bank Plc Not upheldBanking and creditMr P complains that The Co-operative Bank plc reported incorrect information to a credit reference agency and breached data protection.He has also said that Co-op sold the debts on his credit cards and didn’t comply with the Lending Code. background Mr P has told us t... (4 pages)View decision
