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 71923 results
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Decision Reference DRN0899094
17 Dec 2013 Lloyds Bank PLC Not upheldBanking and creditMr J complains that Lloyds Bank PLC (previously Lloyds TSB Bank Plc) was slow to respond to his approach for a repayment arrangement on his overdraft debt and then made administrative errors in setting up the agreed arrangements. Mr J says that this caused him and his wife upset, inco... (3 pages)View decision -
Decision Reference DRN6633320
27 Aug 2019 Lowell Portfolio I Ltd Not upheldBanking and creditMr I complains that Lowell Portfolio I Limited is seeking repayment from him for a debt that he owed to a third party.backgroundMr I had a credit card account with a third party. The account was in arrears and Mr I was contacted about the debt by debt collection agencies acting on behalf o... (2 pages)View decision -
Decision Reference DRN4753383
24 Oct 2016 DEBT CORRECT Not upheldBanking and creditMr H complains that Debt Correct Limited mis-sold him a debt management plan (DMP) as it didn’t advise him that he could get free debt advice elsewhere and he’d like a refund of the fees he paid. Mr H is represented by a claims management company - but I’ll refer to... (2 pages)View decision -
Decision Reference DRN-4395944
20 Oct 2023 Vodafone Limited Not upheldConsumer CreditDRN-4395944 The complaint Mr M has complained that Vodafone Limited recorded a default on his credit file in relation to a fixed sum loan agreement he’d taken out to buy a phone. What happened The circumstances of the complaint are well known to both parties. So I’m not going to cover off ... (3 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 DRN-3460117
16 Aug 2022 JAJA FINANCE LTD UpheldBanking and PaymentsDRN-3460117 The complaint Mr G complains that Jaja Finance Limited (Jaja) withdrew the direct debit facility for his credit card without advising him. That he was unaware of debts on the card or of the debt being sold on. He would like his credit file amended and compensation for the inc... (2 pages)View decision -
Decision Reference DRN8637469
30 Mar 2015 1st Credit Limited UpheldBanking and creditMr C has complained that 1st Credit Limited continued to ask him for payment of a debt when he believes this was not enforceable.backgroundIn April 2014 1st Credit contacted Mr C asking him to repay £3,755.94. This was a debt they’d bought from the original loan provi... (2 pages)View decision -
Decision Reference DRN5589444
29 Sep 2016 Debt Advisory Line Limited UpheldBanking and creditMr W, represented by a claims management company (CMC), says that the debt management plan (DMP) set up for him by Debt Advisory Line Limited (DAL) was mis-sold. backgroundMr W says that he was mis-sold the DMP and an IVA should have been proposed.The CMC says that Mr... (2 pages)View decision -
Decision Reference DRN4074571
9 Jun 2015 HSBC Bank plc Not upheldBanking and creditMr F complains about how HSBC Bank plc has dealt with him since he accepted an ombudsman’s decision on a previous complaint.backgroundMr F was the director of a limited company, S. He complained before about the interest HSBC was charging. Mr F was also unhappy that th... (2 pages)View decision -
Decision Reference DRN-5030264
3 Oct 2024 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5030264 The complaint Mr C complains that Shawbrook Bank Limited (Shawbrook) have been unreasonable when not accepting his offer of repayment, when applying defaults to his accounts and when sending his accounts to a debt collection agency. What happened The details of this complain... (2 pages)View decision
