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-2634197
16 Mar 2021 Christians Against Poverty Not upheldConsumer CreditDRN-2634197 The complaint Mr A and Mrs A complain that Christians Against Poverty (CAP) made errors in administering a debt management plan (DMP). It says this resulted in damage to their credit files. They want Christians Against Poverty to write to their creditors and accept it made mist... (5 pages)View decision -
Decision Reference DRN0711523
24 May 2016 HSBC Bank plc Not upheldBanking and creditMr L complains that HSBC Bank Plc has not treated him fairly in that it recorded a default on his credit file without having sent him a default notice. He says the bank is not able to provide proof he owes the debt, and it should remove the default listing. backgroun... (2 pages)View decision -
Decision Reference DRN5678253
30 Dec 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr F complains The Royal Bank of Scotland Plc should write off a debt as it is now unenforceable because it is statute barred.backgroundMr F took out a loan in 2003 with a business for which RBS is responsible. He says he was then involved in an accident as a result of which he was no l... (1 page)View decision -
Decision Reference DRN7875474
7 Feb 2017 DEBT CORRECT Not upheldBanking and creditMrs B complains about the service she received from Debt Correct under her debt management plan.backgroundMrs B’s debt management plan (DMP) was set up in 2012.Mrs B complained to DC in 2016 about the service she’d received. And, being unhappy with its response, she ... (2 pages)View decision -
Decision Reference DRN5024199
22 Jun 2016 HSBC Bank plc UpheldBanking and creditMrs B complains that HSBC Bank Plc is pursuing her for a debt which it last contacted her about in 1999. She says HSBC is time-barred from pursuing the debt and that its actions have caused her distress and inconvenience. She would like the bank to write off the de... (2 pages)View decision -
Decision Reference DRN7393652
5 Mar 2019 Cabot Credit Management Group Limited UpheldBanking and creditMr G complains Cabot Credit Management Group Limited has been pursuing him for debts he says he doesn’t owe. He wants it to provide proof of the debts or stop chasing him.background Mr G tells us Cabot has been chasing him for several debts - but hasn’t sent him b... (2 pages)View decision -
Decision Reference DRN6596078
22 May 2014 Bradford & Bingley Plc Not upheldBanking and creditMr and Mrs W complain that Bradford & Bingley Plc continues to pursue them for the shortfall on their mortgage following repossession of their property.backgroundMr and Mrs W had a mortgage with Bradford & Bingley. In 1991, their property was repossessed and sold, leaving a sub... (3 pages)View decision -
Decision Reference DRN9690321
31 May 2018 Barclays Bank Plc Not upheldBanking and creditMr N seeks to complain about the way Barclays Bank Plc has pursued him for a debt it says Mr N has owed it for some years and also how the interest and charges were applied to it.backgroundBarclays sent Mr N its final response letter about the interest and charges... (2 pages)View decision -
Decision Reference DRN1576494
13 Jun 2014 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr A’s complaint is that The Royal Bank of Scotland Plc (RBS) used part of the redress from a mis-sold payment protection insurance (PPI) policy to offset an outstanding debt on his current account. Mr A wants RBS to pay all the redress directly to him.backgroundIn 2013 Mr A complained t... (3 pages)View decision -
Decision Reference DRN5481366
7 Dec 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMrs G complains that she wasn’t provided with satisfactory advice about her debt management plan (“DMP”), which was sold to her by a third party (“T”). The DMP was then passed to Harrington Brooks (Accountants) Limited, trading as Harrington Brooks Debt Management, (“HB... (3 pages)View decision
