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 70661 results
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Decision Reference DRN-1765375
12 May 2020 J D Williams & Company Limited Not upheldConsumer CreditDRN-1765375 The complaintMr P complains that after he reported the facts to it, J D Williams & Company Limited (“J D Williams”) failed to remove from its records an account which his ex-wife fraudulently opened in his name. What happenedIn February 2014, without his knowledge or consen... (3 pages)View decision -
Decision Reference DRN6912140
28 Feb 2017 MBNA Limited Not upheldBanking and creditMr M complains that MBNA Limited won’t accept a reduced payment towards his credit card account debt. He wants it to remove a default it applied to his account.backgroundMr M was in a debt management plan supported by a debt management charity. After a review, he a... (2 pages)View decision -
Decision Reference DRN3256663
23 Nov 2018 Cabot Credit Management Group Limited Not upheldBanking and creditMr S complains that Cabot Credit Management Group Limited (“Cabot”) are not writing off a debt he has with them despite him suffering from an incapacitating mental illness and experiencing significant financial distress. He also complains that the business has ignored h... (3 pages)View decision -
Decision Reference DRN-3005100
29 Apr 2022 Target Servicing Limited Not upheldConsumer CreditDRN-3005100 The complaint Miss W complains that Target Servicing Limited is reporting incorrect data about her loan to credit reference agencies. What happened Target Servicing Limited (“Target”) is administering a debt owed by Miss W on behalf of a business I’ll call ‘C’. Miss W has been ... (2 pages)View decision -
Decision Reference DRN0185601
30 Sep 2019 Legal & General Partnership Services Limited UpheldBanking and creditMr R complains through a claims management company (“CMC”) that the appointedrepresentative of Legal and General Partnership Services Limited mis-sold him a mortgagewhen it advised consolidating a debt. Mr R wants to be compensated for his resulting losswith interest.backgroundIn 2005, Mr ... (4 pages)View decision -
Decision Reference DRN7406298
15 Dec 2014 Cabot Financial (Europe) Limited Not upheldBanking and creditMr J complains that Cabot Financial (Europe) Limited (“Cabot”) has been pursuing him for the repayment of money that he does not owe. He says he was in the process of disputing that he owed this money when the previous debt owner (“B”) sold the debt to Cabot. On this basis he believes th... (2 pages)View decision -
Decision Reference DRN1095319
22 Feb 2018 Cabot Credit Management Group Limited Not upheldBanking and creditMr and Mrs K complain that Cabot Credit Management Group Limited added additional charges to their debt after acquiring it from the original debt provider.backgroundMr and Mrs K say that they have a debt that was subject to a court judgement and so they thought it... (3 pages)View decision -
Decision Reference DRN1138532
20 Dec 2016 HSBC Bank plc Not upheldBanking and creditMr S complains that HSBC Bank Plc has recorded incorrect information on his credit file. He says a store card debt should’ve been added earlier than it actually was. background HSBC said Mr S had a previous loan which he defaulted on which was registered with the credit... (2 pages)View decision -
Decision Reference DRN-3690725
9 Sep 2022 Provident Personal Credit Limited UpheldConsumer CreditDRN-3690725 The complaint Ms M complains that Provident Personal Credit Limited (Provident) mis-managed her account after she told it she was having financial difficulties as well as providing details of her health problems. What happened In October 2020, Ms M told Provident about her heal... (6 pages)View decision -
Decision Reference DRN-3423665
16 May 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3423665 The complaint Mrs L and Mr L complain about National Westminster Bank Plc (NWB) and the decision to pass their defaulted accounts to a debt collection agent. What happened Mrs L and Mr L held accounts with NWB for several years. But they struggled to manage these accounts due t... (3 pages)View decision
