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 71745 results
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Decision Reference DRN6766544
26 Feb 2015 The Co-operative Bank Plc Not upheldBanking and creditMrs L complains that The Co-operative Bank Plc has not accepted her repayment proposals and passed her debt to a debt collection company. Mrs L wants the bank to administer the collections process and accept her offer to pay £1 per month.backgroundMrs L has two outstanding loans with ... (2 pages)View decision -
Decision Reference DRN-4311092
23 Feb 2024 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4311092 The complaint Mr C complains about the handling of debt recovery by National Westminster Bank Plc (NatWest) in relation to an amount owed under a personal guarantee. What happened The following is intended only as a brief summary of events. Mr C was director of a limited compan... (2 pages)View decision -
Decision Reference DRN-1456123
27 May 2020 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-1456123The complaintMr L complains that Bank of Scotland plc (Halifax) referred his credit card account to a debt collection agency whilst he had an ongoing complaint on a separate issue. He would like Halifax to remit his debt and to instruct the debt collection agency to stop chasing... (2 pages)View decision -
Decision Reference DRN-5298658
26 Feb 2025 Lowell Portfolio I Ltd UpheldConsumer CreditDRN-5298658 The complaint Mr H is unhappy Lowell Portfolio I Ltd (“Lowell”) have been contacting him about a debt he says he knows nothing about. What happened Mr H says Lowell first contacted him about an outstanding debt of over £1,500, originally with a bank I’ll refer to as B, in S... (3 pages)View decision -
Decision Reference DRN-3465666
6 May 2022 Barclays Bank UK PLC Not upheldConsumer CreditDRN-3465666 The complaint Mr K complains that Barclays Bank UK PLC made an irresponsible lending decision when it provided him with a loan. And it’s failed to treat him fairly when he’s later found himself in financial difficulties. What happened Mr K took out a personal loan with Barclays... (4 pages)View decision -
Decision Reference DRN0177177
3 Nov 2017 Capquest Debt Recovery Limited Not upheldBanking and creditMrs W complains that Capquest Debt Recovery Limited pursued her for payment of a debt which wasn’t hers. She says its actions affected her ability to obtain a mortgage. The complaint is brought on her behalf by her husband, Mr W.background The background to this compl... (4 pages)View decision -
Decision Reference DRN-4362925
5 Oct 2023 Credit Resource Solutions Ltd UpheldConsumer CreditDRN-4362925 The complaint Mr B complains that Credit Resource Solutions Ltd trading as CRS has chased him for debts that were formed part of his bankruptcy order. What happened Mr B has explained that he was made bankrupt in 2021 and discharged in 2022. In September 2022 CRS says it was in... (2 pages)View decision -
Decision Reference DRN0913403
7 Nov 2013 Microcredit Limited UpheldBanking and creditMrs A complains that Microcredit Limited, trading as MiniCredit.co.uk, did not deal with her fairly when she was unable to repay a payday loan.backgroundMrs A took a payday loan in July 2012 of £450 and rolled this over in October 2012 with £589.50 to be paid. She contacted Microcredit ... (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 DRN7433191
15 Oct 2018 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)Mr B is unhappy with the way National Westminster Bank Plc has used the compensation it offered for a mis-sold payment protection insurance (PPI) policy associated with his credit card.backgroundMr B complained to NatWest that the PPI that had been associated with his ... (2 pages)View decision
