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 69711 results
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Decision Reference DRN-3425593
23 May 2022 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-3425593 The complaint Mr F has complained that Cabot Credit Management Group Limited are pursuing him for a debt which he feels they haven’t sufficiently proven he owes them. What happened This complaint is about a credit card account that was opened in 2016, defaulted in 2020, and was... (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 DRN3466756
21 Nov 2014 Debt Connect (U.K.) Limited UpheldBanking and creditMiss B has complained that Debt Connect (U.K.) Limited did not correctly manage a debt management plan she had entered into with it.backgroundMiss B entered into a debt management plan with Debt Connect. Under the plan, she made a monthly payment, from which Debt Connect was to deduct... (2 pages)View decision -
Decision Reference DRN-3386104
31 Mar 2022 Oplo HL Ltd UpheldMortgagesDRN-3386104 The complaint Mr and Mrs M complain that Oplo HL Ltd (then trading as 1st Stop Home Loans Limited) was irresponsible to lend to them. What happened Mr and Mrs M took out a loan of £10,000 with Oplo in early 2015. They told Oplo they intended to use the loan to repay mortgage ar... (6 pages)View decision -
Decision Reference DRN9892382
16 Mar 2016 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr and Mrs M are unhappy with the way The Royal Bank of Scotland Plc (“RBS”) has used the compensation it agreed to pay them after they complained they’d been mis-sold payment protection insurance (“PPI”).backgroundI issued my provisional decision on this complaint in Fe... (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 DRN-4447626
23 Nov 2023 BPO Collections Limited Not upheldConsumer CreditDRN-4447626 The complaint Mr M complains BPO Collections Limited have harassed him about a statute barred debt. He also says they’ve breached the General Data Protection Regulations (GDPR). What happened My understanding is Mr M purchased a laptop on a credit agreement through a company wh... (2 pages)View decision -
Decision Reference DRN8514877
20 Jun 2017 Lowell Financial Ltd Not upheldBanking and creditMr O complains that Lowell Financial Limited, (LFL”), is unfairly pursuing him for a debt he said was statute barred.backgroundMr O is unhappy that LFL has sent him debt collection correspondence for a debt that he says is statute barred. He said that LFL claimed that ... (2 pages)View decision -
Decision Reference DRN3327128
30 Mar 2020 Legal & General Partnership Services Limited Not upheldBanking and creditMr T and Mrs L complain they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.background Mr T and Mrs L had a mortgage taken out in 2006. Just over a year later, in 2008, they re- mortgaged on L&G’s advice. In doing so they pai... (3 pages)View decision -
Decision Reference DRN9363089
30 Jan 2015 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr J’s complaint is about how The Royal Bank of Scotland Plc (RBS) used the compensation it offered to settle his complaint about a payment protection insurance (PPI) policy taken out with a credit card. Mr J wants RBS to pay all the compensation directly to him.backgroundMr J complaine... (4 pages)View decision
