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 DRN-1077729
4 Mar 2020 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-1077729 The complaintMr S is unhappy that The Royal Bank of Scotland Plc (RBS) sold his debt to a collections company even though it told him it wouldn’t. What happenedMr S had two accounts with RBS which were in debt and it was monitoring the repayments he agreed to make. Mr S complai... (2 pages)View decision -
Decision Reference DRN-2333185
9 Dec 2020 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2333185 The complaint Miss N complains that Cabot Credit Management Group Limited is chasing her for a debt which she disputes its entitled to collect from her. She wants it to cease collection activity and provide her with the information she’s requested. What happened Miss N tells u... (4 pages)View decision -
Decision Reference DRN-5937331
8 Dec 2025 Lendable Ltd Not upheldConsumer CreditDRN-5937331 The complaint Mr B complains Lendable Ltd (Lendable) failed to carry out sufficient affordability checks before it approved a loan for him. What happened Mr B says Lendable approved a loan for him in April 2019 for £9,000 but failed to carry out thorough enough financial che... (3 pages)View decision -
Decision Reference DRN1095319
22 Feb 2018 Cabot Credit Management Group Limited Not upheldBanking and creditMr and Mrs K complain that Cabot Credit Management Group Limited added additional charges to their debt after acquiring it from the original debt provider.backgroundMr and Mrs K say that they have a debt that was subject to a court judgement and so they thought it... (3 pages)View decision -
Decision Reference DRN2259159
21 Jul 2015 1st Credit Limited UpheldBanking and creditMr H complains that 1st Credit Limited wrongly made him bankrupt when he was repaying his debt through a debt management company.backgroundMr H had difficulties repaying his debt to 1st Credit and he had been in a repayment plan that had failed. In August 2013 Mr H ... (2 pages)View decision -
Decision Reference DRN5035847
5 Aug 2014 Lloyd Anderson Financial Management Limited UpheldBanking and creditMr A complains that Lloyd Anderson Financial Management Limited has not distributed his payments towards a debt management plan between his creditors. He was unable to contact Lloyd Anderson for an update and the token payments it did make to his creditors were late.backgroundMr A en... (2 pages)View decision -
Decision Reference DRN1057771
7 Aug 2017 Lloyds Bank PLC Not upheldBanking and creditMr M complains that Lloyds Bank PLC is pursuing him for a credit card debt he does not owe. He wants the bank to acknowledge he does not owe it.backgroundMr M applied for a credit card with Lloyds in May 2005 and completed a balance transfer from another bank at the... (2 pages)View decision -
Decision Reference DRN6208640
21 Dec 2016 Drydens Limited UpheldBanking and creditMs S complains that Drydens Limited (the business) pursued her to repay a debt she did not owe. She complains that she was put under pressure to admit to the debt even though no evidence of the debt was provided.backgroundMs S says that the business contacted her ... (3 pages)View decision -
Decision Reference DRN1170710
16 Aug 2017 AKINIKA DEBT RECOVERY LIMITED Not upheldBanking and creditMr B complains that he is being pursued by Akinika Debt Recovery Limited in respect of a debt which isn’t his.backgroundMr B is unhappy about correspondence which he has received from Akinika. He says that the debt isn’t his and he wants Akinika to stop contacting ... (2 pages)View decision -
Decision Reference DRN3148625
5 Mar 2020 MBNA Limited UpheldBanking and creditComplaintMrs K complains that MBNA Limited waited too long before defaulting her credit card. BackgroundThe background to this complaint and my initial conclusions are set out in my provisional decision – a copy of which is attached and forms part of this final decision. In my provisional ... (4 pages)View decision