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 74386 results
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Decision Reference DRN2024178
26 Feb 2016 1st Credit Limited UpheldBanking and creditE has complained that 1st Credit Limited is unfairly pursuing it for a debt. It says the debt hasn’t been proved, and that it’s unfair to be considering taking the former matrimonial home into account as a potential way of recouping the amount owed.backgroundE is t... (2 pages)View decision -
Decision Reference DRN8234028
8 Mar 2016 Bank of Scotland Plc Not upheldBanking and creditMiss G says since Bank of Scotland plc (trading as Halifax) defaulted her loan and current accounts she’s suffered unprofessional service on the phone. And her credit file hasn’t been updated accurately. The bank’s compensation of £75 (plus £31.50 to cover call co... (2 pages)View decision -
Decision Reference DRN5882211
6 Feb 2014 Lloyds Bank PLC Not upheldBanking and creditMr E and Mr F complain that Lloyds Bank PLC is pursuing Mr E for a business overdraft debt that they do not consider he is responsible for. They also complain that they have been quoted different amounts for what is owed.backgroundMr E and Mr F had a business loan and overdraft with Ll... (2 pages)View decision -
Decision Reference DRN5227591
7 Jan 2014 Capquest Debt Recovery Limited Not upheldBanking and creditMr E complains about being asked by Capquest Debt Recovery Limited to repay a debt he says is not his. He believes he has been harassed by Capquest and believes he should be compensated for his inconvenience. Mr E is represented in his complaint by his father, who will be referred to as M... (2 pages)View decision -
Decision Reference DRN-2846778
1 Jul 2021 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-2846778 The complaint Mrs T complains that Link Financial Outsourcing Limited trading as Honours Student Loans is chasing her for a debt she doesn’t think she should have to pay. She wants it to stop chasing her for the debt. What happened Mrs T tells us that she took out a student loa... (3 pages)View decision -
Decision Reference DRN3930946
27 May 2016 Cabot Financial (Europe) Limited Not upheldBanking and creditMrs J complains that she is being pursued by Cabot Financial (Europe) Limited for some credit card debts. Mrs J is being helped with her complaint by her husband.backgroundCabot sent letters to Mrs J in December, January and February about debts that she owed on three ... (1 page)View decision -
Decision Reference DRN6147728
22 Mar 2016 Barclays Bank Plc Not upheldBanking and creditMr H complains that Barclays Bank PLC (trading as Barclaycard) is demanding payment of a credit card debt he thought he’d paid in full.backgroundMr H says he took a loan to pay off his credit card and didn’t think he owed any money. He hadn’t had any contact from the... (2 pages)View decision -
Decision Reference DRN-3783744
12 Dec 2022 Barclays Bank UK PLC Not upheldConsumer CreditDRN-3783744 The complaint Ms G is complaining that Barclays Bank UK PLC is asking her to repay debts that she says it previously wrote off. What happened The facts of this complaint are well known to all parties, so I won’t set them out in detail. But, in summary, Ms G is complaining Barcl... (2 pages)View decision -
Decision Reference DRN-2587417
5 Mar 2021 MBNA Limited Not upheldBanking and PaymentsDRN-2587417 The complaint Ms W is unhappy that MBNA Limited won’t acknowledge that the outstanding debt on her credit card is that of her ex-fiancé, Mr O, and that MBNA won’t transfer the debt to him. What happened Ms W opened a credit card account with MBNA in April 2015 and added Mr O as... (2 pages)View decision -
Decision Reference DRN-4698484
27 Mar 2024 Lantern Debt Recovery Services Ltd UpheldConsumer CreditDRN-4698484 The complaint Mr U complains Lantern Debt Recovery Services Ltd trading as Lantern, have reported incorrect information, which has impacted his credit file. What happened Mr U entered a Debt Relief Order (DRO) in March 2021. Included in this DRO were several debts, including a ... (3 pages)View decision
