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 69825 results
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Decision Reference DRN-2985467
21 Oct 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2985467 The complaint Mrs R complains that Barclays Bank UK PLC trading as Barclaycard were not clear with her regarding what would happen with her outstanding balance when her account defaulted and poor customer service. Mrs R is represented by her husband in bringing this complaint. ... (3 pages)View decision -
Decision Reference DRN7278172
14 Oct 2015 Bank of Scotland Plc UpheldBanking and creditMr M complains about the Bank of Scotland Plc trading as Halifax. He says that Halifax have incorrectly continued to record a default notice on his credit file.backgroundMr M held a current account with Halifax. In 2010, Halifax recorded a default notice on his cre... (2 pages)View decision -
Decision Reference DRN-3567881
3 Aug 2022 Drydens Limited Not upheldConsumer CreditDRN-3567881 The complaint Mr N has complained that Drydens Limited are pursuing him for a debt which a previous company had said was settled. What happened This complaint is about a consumer credit debt which Drydens are managing on behalf of Arrow Global. Arrow were sold the account and o... (3 pages)View decision -
Decision Reference DRN6741385
8 Jun 2015 Arrow Global Limited Not upheldBanking and creditMr A complains that Arrow Global Limited is pursuing him for a debt which he has already paid off and that a default is wrongly recorded on his credit record about it.backgroundMr A had a store card account run by a credit card company (which I shall call B). In 20... (2 pages)View decision -
Decision Reference DRN9414391
11 Jan 2016 The Royal Bank of Scotland Plc Not upheldBanking and creditMr D complains that The Royal Bank of Scotland Plc (“RBS”) has instructed a debt collection agency to pursue him for a debt which he says is time-barred under the Limitation Act.backgroundIn 2008 Mr D owed RBS a three-figure sum. In that year he entered an Individu... (1 page)View decision -
Decision Reference DRN2131816
21 Apr 2015 PRA Group (UK) Limited UpheldBanking and creditMrs M complains that PRA Group (UK) Limited wrongly pursued her for a debt.background Mrs M took out finance with a third party to buy a computer. When it developed a fault Mrs M made a complaint and withheld payment. The third party took steps to enforce the debt... (2 pages)View decision -
Decision Reference DRN1898728
18 Jun 2013 Capital One (Europe) plc Not upheldBanking and creditsummary of complaintMr A complains that Capital One (Europe) plc is pursuing him for a debt that is owed by B not him. He says that Capital One made a mistake by registering a default on his credit file relating to this debt and it should remove it.our initial conclusionsOur adjudicator ... (2 pages)View decision -
Decision Reference DRN1134117
19 Apr 2013 Debt Managers Limited Not upheldBanking and creditMr Q complains that Debt Managers has not given him proof either that it had authority from Lloyds TSB Bank to collect payments for a debt he owed the bank, or that it had passed these on to the bank. In addition, it did not provide him with a copy agreement and statement of ac... (2 pages)View decision -
Decision Reference DRN0918614
3 Oct 2014 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs B, represented by a claims management company, complain that they were mis-sold a mortgage by an approved representative of Legal & General Partnership Services Limited (“L&G”).backgroundMr and Mrs B acted on a recommendation from L&G to re-mortgage. Because this ... (2 pages)View decision -
Decision Reference DRN7508328
1 Feb 2018 Lloyds Bank PLC Not upheldBanking and creditMiss P complains that Lloyds Bank plc should’ve paid a refund of interest directly to her rather to her outstanding loan balance.backgroundIn 2012, Miss P told Lloyds she was having some financial difficulties and couldn’t keep up with the repayments to her personal... (2 pages)View decision
