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 69710 results
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Decision Reference DRN7890305
26 May 2016 PRA Group (UK) Limited UpheldBanking and creditMr B complains that PRA Group (UK) Limited (the business) is pursuing him for repayment of a debt which is not his. He complains that he has contacted the business many times about this but not received any replies.backgroundMr B complains that the business is chasing hi... (2 pages)View decision -
Decision Reference DRN-4819247
24 Oct 2024 Tandem Home Loans Ltd Not upheldMortgagesDRN-4819247 The complaint Miss B complains about a secured loan provided to her by Tandem Home Loans Ltd trading as Oplo. She says it was irresponsible of Oplo to provide this loan to her as she was vulnerable, and it wasn’t affordable. What happened Miss B applied for a secured loan wi... (3 pages)View decision -
Decision Reference DRN9853591
15 Nov 2016 Bank of Scotland Plc Not upheldBanking and creditMiss C complains that Bank of Scotland plc (trading as Halifax) sold her credit card debt to a third party without telling her. She also says her original credit card application is fraudulent.background Miss C took out a Halifax credit card in June 2003. She says ... (2 pages)View decision -
Decision Reference DRN7590272
18 Jul 2017 Lloyds Bank PLC Not upheldBanking and creditMr D complains about the action taken by Lloyds Bank PLC to recover an outstanding amount.backgroundMr D previously held some loans and a bank account with Lloyds. The bank have been trying to recover the outstanding balance since 2001.Mr D is unhappy that he has been th... (2 pages)View decision -
Decision Reference DRN0329103
10 May 2013 Barclays Bank Plc Not upheldBanking and creditMs F complains Barclays put a charge on the late Mr E’s property – and will not remove the charge even though the debt has been repaid.Ms F is the beneficiary of Mr E’s estate. Mr E’s executors gave her permission to bring a complaint to us on behalf of his estate.backgroundMr E’s exec... (2 pages)View decision -
Decision Reference DRN6382124
21 Nov 2014 Arrow Global Limited UpheldBanking and creditMrs B complains that Arrow Global Limited is pursuing her for the wrong amount of money. She says the balance includes Payment Protection Insurance (“PPI”) premiums. She says that this is unfair because the PPI policy was missold to her and so any premiums added to the balance of th... (2 pages)View decision -
Decision Reference DRN8017035
23 Apr 2019 National Westminster Bank Plc Not upheldBanking and creditMr P complains that National Westminster Bank Plc (‘NatWest’) passed a debt to a third party without his knowledge.backgroundMr P had an account with NatWest. He didn’t realise it’d gone overdrawn. And he’s unhappy NatWest sold the debt to another company without discus... (2 pages)View decision -
Decision Reference DRN0177177
3 Nov 2017 Capquest Debt Recovery Limited Not upheldBanking and creditMrs W complains that Capquest Debt Recovery Limited pursued her for payment of a debt which wasn’t hers. She says its actions affected her ability to obtain a mortgage. The complaint is brought on her behalf by her husband, Mr W.background The background to this compl... (4 pages)View decision -
Decision Reference DRN7867281
9 Oct 2018 Capquest Debt Recovery Limited UpheldBanking and creditMr H complains that Capquest Debt Recovery Limited won’t pay interest on a refund. backgroundIn 2012 Capquest acquired a debt that Mr H owed a third party lender. Mr H was in financial difficulties, this account had been in arrears for some time and Mr H was making... (2 pages)View decision -
Decision Reference DRN2301101
29 Mar 2019 Lowell Financial Ltd Not upheldBanking and creditMr A complains about a debt Lowell Financial Ltd is asking him to repay.backgroundMr A had an overdrawn account with a bank I’ll call B. In 2013, Lowell bought this debt from B and wrote to Mr A to explain that this is what had happened and asking him to pay the ... (2 pages)View decision
