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 74313 results
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Decision Reference DRN-2237995
15 Oct 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-2237995 The complaint Mr F complains that Santander UK plc (Santander) sent him inappropriate letters regarding his credit card debt. What happened Mr F has a credit card account with Santander and in July 2019 he received a letter from them advising his account was classified as being... (3 pages)View decision -
Decision Reference DRN2019713
26 May 2020 Erudio Student Loans Limited Not upheldBanking and creditMr F complains because Erudio Student Loans Limited have kept information about a loan that was taken out in his name. He also complains that Erudio have passed this information to credit reference agencies.backgroundIn the mid to late 1990’s, three separate student loans were taken out in... (5 pages)View decision -
Decision Reference DRN-4278723
9 Jan 2024 Admiral Insurance (Gibraltar) Limited Not upheldInsuranceDRN-4278723 The complaint Mr H says Admiral Insurance (Gibraltar) Limited provided poor service after he cancelled his motor insurance policy, leading to an adverse credit marker being added to his record and left there for too long. What happened Mr H says he called Admiral to cancel his ... (2 pages)View decision -
Decision Reference DRN1170710
16 Aug 2017 AKINIKA DEBT RECOVERY LIMITED Not upheldBanking and creditMr B complains that he is being pursued by Akinika Debt Recovery Limited in respect of a debt which isn’t his.backgroundMr B is unhappy about correspondence which he has received from Akinika. He says that the debt isn’t his and he wants Akinika to stop contacting ... (2 pages)View decision -
Decision Reference DRN6596078
22 May 2014 Bradford & Bingley Plc Not upheldBanking and creditMr and Mrs W complain that Bradford & Bingley Plc continues to pursue them for the shortfall on their mortgage following repossession of their property.backgroundMr and Mrs W had a mortgage with Bradford & Bingley. In 1991, their property was repossessed and sold, leaving a sub... (3 pages)View decision -
Decision Reference DRN3222571
20 Jul 2017 Debitum Limited UpheldBanking and creditMs C’s complained about a debt management plan she entered into with Debitum Limited. She’s unhappy that despite her paying £240 a month her debts weren’t settled.backgroundMs C entered into a debt management plan with Debitum in 2010. She says it agreed that it wo... (3 pages)View decision -
Decision Reference DRN-3238596
11 May 2022 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-3238596 The complaint Mr W complains that The Royal Bank of Scotland Plc (RBS) continued to report a debt on his credit file despite it being included within an Individual Voluntary Arrangement (IVA) that was settled in July 2020. What happened Mr W entered into an IVA in 2018. This wa... (3 pages)View decision -
Decision Reference DRN2650559
30 Nov 2015 MBNA Limited Not upheldBanking and creditMr M complains that MBNA Limited sold a debt to a third party agency without informing him of the debt or that it would be selling it.backgroundIn 2013, Mr M informed all his creditors that he was in financial difficulties. Mr M says that he contacted MBNA and a... (2 pages)View decision -
Decision Reference DRN7393652
5 Mar 2019 Cabot Credit Management Group Limited UpheldBanking and creditMr G complains Cabot Credit Management Group Limited has been pursuing him for debts he says he doesn’t owe. He wants it to provide proof of the debts or stop chasing him.background Mr G tells us Cabot has been chasing him for several debts - but hasn’t sent him b... (2 pages)View decision -
Decision Reference DRN9470056
17 Sep 2015 HSBC Bank plc Not upheldBanking and creditMr A complains that HSBC Bank Plc shouldn’t have lent him as much money as they did, and should’ve helped him when he got into financial difficulties. He wants HSBC to write off his debt, change his credit record and pay him compensation.backgroundMr A has had va... (3 pages)View decision
