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 DRN-1968653
19 Aug 2020 Nationwide Building Society Not upheldBanking and PaymentsDRN-1968653The complaintMr N is unhappy that Nationwide Building Society transferred his account to a debt collection agency in error. What happenedMr N was in arrears with his Nationwide credit card and had a repayment arrangement in place which had expired. In November 2018 Mr N renewed ... (3 pages)View decision -
Decision Reference DRN5455430
18 Oct 2016 HSBC Bank plc Not upheldPayment protection insurance (PPI)Mr B is complaining that HSBC Bank Plc (HSBC) mis-sold him a payment protection insurance (PPI) policy. He’s unhappy that it’s used the compensation it offered to reduce a debt.backgroundMr B took out a PPI policy alongside a credit card. Mr B complained to HSBC that ... (2 pages)View decision -
Decision Reference DRN8874099
11 Jul 2013 1st Credit Limited Not upheldBanking and creditMiss S complains about being pursued for a debt she says she does not owe. She believes that she has been harassed by 1st Credit Limited and that the debt is statute barred. backgroundThe adjudicator did not recommend the complaint be upheld. She explained that she did not think it was u... (2 pages)View decision -
Decision Reference DRN8664640
6 Apr 2017 Arrow Global Limited Not upheldBanking and creditMr B complains about various errors that Arrow Global Limited, (“AGL”), made when it bought his debt.backgroundMr B had a credit card account with a card provider (“P”). P sold the account to a debt purchaser (“D”) in January 2012, and D sold the account to AGL in Nov... (3 pages)View decision -
Decision Reference DRN-3822418
17 Jan 2023 Debt Managers (Services) Limited Not upheldConsumer CreditDRN-3822418 The complaint Mr O has complained that Debt Managers (Services) Limited didn’t accept his partial settlement offer when it was in line with an amount they’d asked for in the past. What happened This complaint surrounds a defaulted hire purchase debt which was sold to Debt Manag... (2 pages)View decision -
Decision Reference DRN0992555
3 Oct 2013 HFO Services Limited Not upheldBanking and creditMs H complains that she has been harassed by HFO Services Limited (HFO) in pursuit of an outstanding debt and that the amount claimed by HFO is incorrect.backgroundMs H’s debt of £2,031.97 was assigned to HFO in February 2008. HFO and Ms H exchanged correspondence and had a number of tele... (2 pages)View decision -
Decision Reference DRN5556862
18 Sep 2014 National Westminster Bank Plc Not upheldBanking and creditMr R complains that an account manager of National Westminster Bank Plc told him that a debt he owed the bank under a personal guarantee would be written off – but it wasn’t. He also complains that his former company liquidated in 2011 but he did not hear from the bank until 2013. Whe... (3 pages)View decision -
Decision Reference DRN1833223
9 Dec 2014 Debt Connect (U.K.) Limited UpheldBanking and creditMr and Mrs F complain about the actions of Debt Connect (U.K.) Limited (“DC”) after they paid a lump sum to it for the purposes of debt settlement. They say DC has failed to distribute this payment to their creditors, and many of their debts remain unpaid. backgroundThe background to t... (5 pages)View decision -
Decision Reference DRN5370845
30 Aug 2017 MEM Consumer Finance Limited Not upheldBanking and creditMr P complains that MEM Consumer Finance Limited (trading as Payday UK) is pursuing him for repayment of a payday loan.backgroundMr P had a loan from Payday UK in 2012. Mr P didn’t make any repayments, so the account defaulted and the debt was later sold on. The de... (2 pages)View decision -
Decision Reference DRN2540641
2 Nov 2016 Cabot Financial (Europe) Limited UpheldBanking and creditMr T complains that Cabot Financial (Europe) Limited (trading as Cabot Financial) will not tell him why it took so long to write off his credit card debt, or how the balance on the account came to increase by so much.background Mr T originally owed a debt to a credi... (2 pages)View decision
