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 77331 results
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Decision Reference DRN7413166
18 Dec 2017 Angel Advance Limited Not upheldBanking and creditMr V complains that a county court judgment was entered against him at a time when Angel Advance Limited was managing his debts.backgroundMr V entered into an agreement with Angel Advance to manage his debts. This involved Mr V paying a monthly payment, part of whi... (2 pages)View decision -
Decision Reference DRN1207372
31 May 2016 PRA Group (UK) Limited Not upheldBanking and creditMs N complains that PRA Group (UK) Limited is chasing her for a debt dating back to 2002. She wants PRA to stop contacting her, and to remove adverse information relating to this debt on her credit file.backgroundMs N said: The debt relates to a student bank account ... (2 pages)View decision -
Decision Reference DRN9177325
14 Feb 2014 Lloyds Bank PLC Not upheldBanking and creditMr L complains that Lloyds Bank PLC pursued him for debts he did not owe and registered adverse information on his credit file about these debts. Mr L also complains that Lloyds did not cancel his direct debit as it should have done. He considers that as a result he incurred charges a... (2 pages)View decision -
Decision Reference DRN8843086
7 Mar 2014 Bank of Scotland Plc UpheldBanking and creditMr T complains that Bank of Scotland plc (“BoS”) unfairly holds him liable for debts of his limited company.backgroundMr T was director of a limited company that had its current account with BoS. There was an overdraft facility, and Mr T had given his personal guarantee for the company... (4 pages)View decision -
Decision Reference DRN-4559809
9 Feb 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4559809 The complaint Mr P says Barclays Bank UK PLC are harassing him to repay a debt for an overdraft. What happened In April 2023 Mr P got in touch with our service and said Barclays had been harassing him to repay an overdraft debt for £377.28. Mr P wanted Barclays to stop using de... (2 pages)View decision -
Decision Reference DRN0361044
30 Apr 2015 House & Home Care Limited Not upheldBanking and creditMiss F complains that House & Home Care Ltd (the business) has provided her with poor service. She says it has not provided her with a clear account of where her payments have gone.background Miss F entered into a debt settlement plan with the business in January... (2 pages)View decision -
Decision Reference DRN6622870
16 Jun 2020 Cabot Credit Management Group Limited Not upheldBanking and creditMr K complains about Cabot Credit Management Group Limited (“Cabot’s”) management of a debt they say he owes them.backgroundMr K has been represented by his solicitors in this complaint but for ease I will refer to Mr K throughout this decision.Mr K says that: a debt Cabot say he has with... (3 pages)View decision -
Decision Reference DRN7565501
13 Oct 2017 HFC Bank Limited Not upheldPayment protection insurance (PPI)Mrs A is unhappy with how HFC Bank Limited (‘HFC’) has resolved her complaint about a payment protection insurance policy (‘PPI’) attached to a loan.HFC Bank Limited sold the policy. But HSBC Bank plc has answered Mrs A’s complaint. For sake of ease I’ll refer to ‘HF... (8 pages)View decision -
Decision Reference DRN9635161
19 Dec 2013 Bank of Scotland Plc Not upheldBanking and creditMr T complains that Bank of Scotland plc (trading as Halifax) sold his debt to a third party, despite having agreed to write off the debt after five years. Mr T also says the debt should be statute barred. backgroundIn 2007 Mr T’s debt was passed to Halifax’s debt recovery department. ... (1 page)View decision -
Decision Reference DRN5313453
19 Jan 2017 DFH Limited Not upheldBanking and creditMr C complains, in summary, that DFH Limited, trading as DFH Financial Solutions, (“DFH”), 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 C’s behalf by a ... (2 pages)View decision