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 DRN6035950
29 Apr 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs F complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (L&G).backgroundMr and Mrs F met with an appointed representative of L&G in 2005 when the fixed rate period on their cur... (3 pages)View decision -
Decision Reference DRN-2859950
18 Jun 2021 Lantern Debt Recovery Services Ltd UpheldConsumer CreditDRN-2859950 The complaint Mr P complains that Lantern Debt Recovery Services Ltd was chasing him for a debt which he denied was his. He seeks compensation for the costs he’s incurred. What happened Mr P tells us that he received notification by post in July 2020 regarding the repayment of ... (3 pages)View decision -
Decision Reference DRN9479487
16 Dec 2014 Apex Collections Limited Not upheldBanking and creditMr F complains about debt management activities carried out by Apex Collections Limited trading as Apex Credit Management (“Apex”).backgroundApex carries out debt collection activities on behalf of lenders with regulated credit agreements. Mr F had a debt owed to a creditor which had be... (2 pages)View decision -
Decision Reference DRN-3246071
25 Jan 2022 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-3246071 Complaint Mr R says that Clydesdale Bank Plc (“Clydesdale”) treated him unfairly when he ran into difficulty repaying an unarranged overdraft. He was unhappy that his account was defaulted. Background One of our investigators looked into Mr R’s concerns. She didn’t think that C... (2 pages)View decision -
Decision Reference DRN9008145
9 Mar 2018 HSBC Bank plc Not upheldBanking and creditMr T is unhappy his credit card debt with HSBC Bank Plc has been sold to another company. He’s also unhappy HSBC haven't been able to provide a copy of his signed agreement.backgroundIn 2003 Mr T took out a loan with HSBC he says at the same time he was given... (2 pages)View decision -
Decision Reference DRN3234749
18 Dec 2017 Cabot Credit Management Group Limited Not upheldBanking and creditMr P complains Cabot Credit Management Group Limited pursued him for a debt that he said that was unenforceable. He thinks it acted in an inappropriate way when trying to recover the debt from him. Mr P asks for compensation of £7,500.our initial conclusionsOur inve... (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 DRN3184698
8 Jul 2019 Link Financial Outsourcing Limited UpheldBanking and creditMr B says Link Financial Outsourcing Limited is chasing him for a debt that doesn’t exist. backgroundIn 2015, Mr B took a store card with another business as it entitled him to a discount on a purchase. He says he only used it for that purchase. He’s provided an account statement dated 21 ... (2 pages)View decision -
Decision Reference DRN3976848
21 Feb 2018 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs R have complained that Bank of Scotland plc, trading as Halifax, applied a default to their credit file about an outstanding balance. They weren’t aware of this and would like the bank to remove the defaults. backgroundMr and Mrs R had disputed a £10,000... (2 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