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 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 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 DRN-2800258
27 Jun 2021 Lowell Portfolio I Ltd Not upheldBanking and PaymentsDRN-2800258 The complaint Miss M complains that Lowell Portfolio I Ltd (Lowell) is pursuing her for a debt which she believes to be unenforceable, and its contact with her amounts to harassment. What happened Miss M is represented in her complaint but for ease I will refer to her throughou... (3 pages)View decision -
Decision Reference DRN7263685
4 Oct 2018 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr S has complained about how Bank of Scotland plc (BoS) has paid the compensation it offered to him for a mis-sold payment protection insurance (PPI) policy related to his credit card.backgroundMr S complained to BoS that he had been mis-sold PPI related to his cre... (3 pages)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 DRN-3755089
20 Oct 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3755089 The complaint Via a professional representative, Mr and Mrs C complain that Everyday Lending Limited, trading as Everyday Loans, lent to them irresponsibly and without carrying out proper affordability checks. They would like all the fees and charges associated with the loan re... (3 pages)View decision -
Decision Reference DRN9481154
27 Mar 2017 Vanquis Bank Limited Not upheldBanking and creditMr G complains that Vanquis Bank Limited sold on the debt of his credit card balance when it had previously agreed to cancel it. The amount he’s being asked to pay now is more than the original amount of the debt.backgroundMr G had a credit card with Vanquis. In ... (2 pages)View decision -
Decision Reference DRN-1129065
2 Apr 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-1129065 The complaintMr B complains that Vanquis Bank Limited only defaulted his account in March 2019, although he told it about his financial difficulties in 2015 and agreed a payment plan then. He said that all the other companies he owed money to applied defaults back in 2015. What... (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 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
