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 DRN7524246
3 Oct 2019 Kapama Limited UpheldBanking and creditMiss J complains that Kapama Limited have asked her to repay too much towards the loan she took out with a different lender.backgroundIn 2012, Miss J took out a pay day loan for £170 with a lender. The account fell into arrears and the lender applied charges to the account – the total bala... (4 pages)View decision -
Decision Reference DRN5043025
12 Nov 2014 Bournes Limited UpheldBanking and creditMr B complains about a debt management plan he entered into with Bournes Limited (trading as Bournes Debt Solutions). He is unhappy that his debts were not cleared within the timeframe advised. Mr B is also unhappy with the way that Bournes handled his complaint.backgroundMr B entered a ... (2 pages)View decision -
Decision Reference DRN-3469758
27 Jun 2022 Arrow Global Limited Not upheldConsumer CreditDRN-3469758 The complaint Mr C is unhappy that Arrow Global Limited has asked him to repay a debt without giving him evidence that he’s liable for it. What happened In May 2012 Arrow bought an outstanding debt in Mr C’s name. The debt relates to a credit card with a business I will refer t... (2 pages)View decision -
Decision Reference DRN-1397738
27 Apr 2020 J D Williams & Company Limited Not upheldConsumer CreditDRN-1397738The complaintMiss H complains that she has a debt outstanding for catalogue shopping with JD Williams and Company Ltd (JDW). She says this debt was cleared in 2014 so the outstanding amount, interest and charges are unfair. What happenedMiss H had a catalogue shopping account wi... (3 pages)View decision -
Decision Reference DRN-3688944
30 Sep 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3688944 The complaint Mrs and Mr P complain that Lloyds Bank Plc (‘Lloyds’) inappropriately shared their data. What happened Mrs and Mr P had a joint current account with Lloyds. In early 2022 Mrs and Mr P were engaging with a debt charity and had given it consent to obtain information... (3 pages)View decision -
Decision Reference DRN0540984
8 Feb 2017 Vanquis Bank Limited UpheldBanking and creditMiss T complains that Vanquis Bank Limited (the business) chased her for a debt it had no proof she owed. She complains that the business harassed her for payment and that the number of calls she received was excessive.background Miss T says that she was contacted by th... (2 pages)View decision -
Decision Reference DRN0672252
6 Jun 2017 Vanquis Bank Limited UpheldBanking and creditMiss C complains that Vanquis Bank Limited added a default to her credit file when she’d been told this wouldn’t happen if she kept in touch. She wants it removed.backgroundMiss C says that in May 2016 she contacted Vanquis to tell it she’d lost her employment. And t... (2 pages)View decision -
Decision Reference DRN7253237
25 Aug 2016 Cabot Financial (Marlin) Limited Not upheldBanking and creditMrs G says she sent Cabot Financial (Marlin) Limited two ‘cheques’ to repay a debt. But it didn’t process them.backgroundMrs G says she sent Cabot two ‘cheques’ to repay two debts it was chasing her for. But it didn’t process them. So it should write off the debts a... (2 pages)View decision -
Decision Reference DRN0939237
8 Apr 2016 Lowell Portfolio I Ltd UpheldBanking and creditMr L complains that Lowell Portfolio I Ltd (Lowell) applied a default on his credit file without letting him know beforehand.Mr L wants compensation for this and for the default to be totally removed from his credit file history.backgroundI issued a provisional deci... (4 pages)View decision -
Decision Reference DRN1857598
10 Nov 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs W, through their representative M, complain that Legal & General Partnership Services Limited through its appointed representative AWD Home Finance Ltd (“AWD”) mis- sold them their mortgage. They want compensation.backgroundMr and Mrs W took advice from AW... (2 pages)View decision
