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 DRN7130954
18 Sep 2017 Hoist Finance UK Limited Not upheldBanking and creditMrs C complains that she’s being wrongly pursued for debts by Hoist Finance UK Limited (Hoist). backgroundMrs C had been making monthly payments to Hoist in respect of three separate debts via a Debt Management Plan for a number of years. But she’s recently been ... (2 pages)View decision -
Decision Reference DRN-1986826
22 Dec 2020 Barclays Bank UK PLC Not upheldConsumer CreditDRN-1986826 The complaint Mrs M complains that Barclays Bank UK PLC delayed registering a default on a loan she held. What happened In 2011 Mrs M took out a loan with Barclays. Unfortunately, Mrs M started to struggle financially and in 2013 she entered into a debt management plan (DMP). T... (2 pages)View decision -
Decision Reference DRN-4066415
3 Oct 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4066415 The complaint Mr S complains that Barclays Bank UK PLC trading as Barclaycard has reported a default on a debt that is deemed unenforceable. What happened Both parties are aware of the circumstances of the complaint, so I won’t repeat them in detail here. In summary, Mr S and B... (4 pages)View decision -
Decision Reference DRN8695937
16 Sep 2014 Vanquis Bank Limited UpheldBanking and creditMr F complained because he was being pursued by a debt collection agency for a credit card debt to Vanquis Bank Limited. Mr F said he had paid £800 to a doorstep collector as a deal to end his debts, and therefore no money was due. He wants the account to be closed so he is no lon... (2 pages)View decision -
Decision Reference DRN7792896
2 Dec 2014 Lloyds Bank PLC Not upheldBanking and creditMr L complains that Lloyds Bank PLC went back on assurances it gave him about how he could deal with his bank accounts, defaulting and closing his current account without telling him. backgroundMr L held his personal banking with Lloyds and also had business banking with Lloyds in res... (3 pages)View decision -
Decision Reference DRN-3364893
13 Apr 2022 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-3364893 The complaint Mr V has complained about Lowell Portfolio I Ltd purchasing a debt which he says isn’t his. What happened This complaint is about a consumer credit account that was opened in 2017, defaulted in 2019, and was sold to Lowell in 2021. After Lowell bought the account,... (2 pages)View decision -
Decision Reference DRN1237591
7 Feb 2017 Clydesdale Bank Plc UpheldBanking and creditMiss G complains that Clydesdale Bank Plc trading as Yorkshire Bank incorrectly transferred an account she had repaid to a debt collector, who then recorded incorrect information on her credit file.backgroundMiss G had an account with Yorkshire that was in default. S... (2 pages)View decision -
Decision Reference DRN4558748
13 Jul 2017 Link Financial Outsourcing Limited Not upheldBanking and creditMs R is unhappy about Link Financial Outsourcing Limited asking for payment of a debt it bought from another business.backgroundLink bought a debt Ms R owed another financial business. Ms R wants to see the agreement between the two businesses and find out how much Li... (1 page)View decision -
Decision Reference DRN7169574
6 May 2015 Hillesden Securities Limited Not upheldBanking and creditMr W complains that Hillesden Securities Limited (trading as dlc) (the business) has not provided him with proof that the loan it is requesting payment for is his. He says he does not remember taking out the loan.backgroundMr W says that he does not recall taking ou... (2 pages)View decision -
Decision Reference DRN-4211006
12 Jul 2023 Lowell Financial Ltd Not upheldBanking and PaymentsDRN-4211006 The complaint Mrs K complains about the way that Lowell Financial Ltd (Lowell) has managed the collection of a debt in her name. What happened Lowell Portfolio I Limited bought an outstanding debt in Mrs K’s name and appointed Lowell to manage collection on its behalf. The debt... (2 pages)View decision
