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 70502 results
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Decision Reference DRN-4619746
26 Nov 2024 Bank of Scotland Plc Not upheldConsumer CreditDRN-4619746 The complaint Mr M is unhappy with Bank of Scotland plc, trading as Halifax’s (Halifax) handling of his overdraft debt. Mr M says Halifax used the wrong date for reporting the default to the Credit Reference Agencies (CRAs) and has expressed concerns about the sale of the de... (4 pages)View decision -
Decision Reference DRN2118475
25 Sep 2015 Arrow Global Limited Not upheldBanking and creditMs A complains that Arrow Global Limited is wrongly chasing her to repay a debt that she doesn’t owe. backgroundMs A explains that in 2011 she had a Payment Protection Insurance (PPI) refund. The letter that was sent to her explaining the refund said that it would b... (2 pages)View decision -
Decision Reference DRN8400947
8 Mar 2017 Lloyds Bank PLC Not upheldBanking and creditMr S complains that Lloyds Bank plc has recorded a default against him relating to an account which was used by his ex-partner without his knowledge or consent. backgroundMr S contacted Lloyds in February 2015 because his current account had been used for transactions t... (2 pages)View decision -
Decision Reference DRN-5388368
13 Mar 2025 ACI-UK LIMITED Not upheldConsumer CreditDRN-5388368 The complaint Mr A complains that ACI-UK LIMITED (ACI) are chasing him for a debt they’ve been unable to evidence legal ownership of. He also complains that ACI registered a default on his credit file in 2022, for a debt that allegedly defaulted in 2018. What happened I issu... (5 pages)View decision -
Decision Reference DRN5593041
17 Oct 2014 Aktiv Kapital (UK) Limited Not upheldBanking and creditMr C complains that Aktiv Kapital (UK) Limited recently started pursuing him for a debt which he believes he has paid in full.backgroundMr C recently received contact from agents working on behalf of Aktiv Kapital about the debt which he says he paid off in 2005. He has also said that... (2 pages)View decision -
Decision Reference DRN6005000
20 Feb 2019 United Trust Bank Limited UpheldBanking and creditMs P is unhappy that United Trust Bank Limited is holding her responsible for a debt of £50,000 secured on her property which she says she didn’t take out. backgroundIn October 2016 a £50,000 loan secured against Ms P’s property was taken out online, via a broker, ... (4 pages)View decision -
Decision Reference DRN6631585
3 Mar 2020 Capital One (Europe) plc Not upheldBanking and creditMr C complains that Capital One (Europe) plc didn’t inform him that it had assigned a debt he owed on a credit card agreement to another business.backgroundMr C tells us he first took out a credit card agreement with Capital One in 2008. At various times over the following years he says he... (2 pages)View decision -
Decision Reference DRN2618371
18 Sep 2018 Paragon Finance Plc Not upheldBanking and creditMr and Mrs H complain that Paragon Finance PLC, trading as Idem Servicing (“Idem”) shouldn’t be chasing them for a debt owed to Lloyds as they didn’t have a debt to Lloyds.backgroundMr and Mrs H say that a debt that Idem are chasing them for isn’t theirs. They say... (3 pages)View decision -
Decision Reference DRN0656040
6 Aug 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr Q complains that The Royal Bank of Scotland Plc did not renew his overdraft facility. He asks that he is given the chance to repay the overdraft gradually at the same interest rate.backgroundMr Q had a business account with an overdraft facility with RBS. Mr Q’s business was affected b... (1 page)View decision -
Decision Reference DRN-3139788
16 Mar 2022 Hoist Finance UK Limited Not upheldConsumer CreditDRN-3139788 The complaint Mr S is unhappy with how Hoist Finance UK Limited have handled a refund which was used to offset his debt. What happened Mr S says he had an outstanding debt on his credit card with a bank who I’ll refer to as B. The amount was £411.01 and this debt was purchased ... (2 pages)View decision
