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
-
Decision Reference DRN5099717
20 Aug 2014 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs K complain about how Lloyds Bank plc pursued them for payment, under their personal guarantees and a second charge over their home, of a company’s outstanding debts. They want compensation for the distress and inconvenience caused.backgroundMr and Mrs K were directors of a com... (2 pages)View decision -
Decision Reference DRN3036055
15 Mar 2016 Cabot Financial (Europe) Limited Not upheldBanking and creditMrs M complains that Cabot Financial (Europe) Limited is asking her to repay a debt which has been written off. It also started court proceedings when it knew she was disputing the debt. She is assisted in her complaint by her husband, Mr M. backgroundMrs M held ... (3 pages)View decision -
Decision Reference DRN9683812
6 Jun 2019 Capital One (Europe) plc Not upheldBanking and creditMrs E complains about the way Capital One (Europe) plc tried to recover a credit card debt from her. Mrs E says Capital One instructed four different debt collection businesses at the same time and that they sent private information to an unrelated address. Mrs E also... (3 pages)View decision -
Decision Reference DRN8792621
15 Apr 2019 Barclays Bank UK PLC Not upheldBanking and creditBarclays Bank UK PLC won’t write off the amount Mr M owes on a credit card.backgroundMr M asked Barclays to write the amount off because his financial circumstances were such that he didn’t feel he could ever repay it. Barclays looked at Mr M’s income and expense... (3 pages)View decision -
Decision Reference DRN1057771
7 Aug 2017 Lloyds Bank PLC Not upheldBanking and creditMr M complains that Lloyds Bank PLC is pursuing him for a credit card debt he does not owe. He wants the bank to acknowledge he does not owe it.backgroundMr M applied for a credit card with Lloyds in May 2005 and completed a balance transfer from another bank at the... (2 pages)View decision -
Decision Reference DRN4809290
22 Oct 2015 Santander UK Plc Not upheldBanking and creditMs B complains about a debt, which Santander UK plc transferred to another company. Ms B doesn’t think she owes any money to Santander at all. If there was a debt, she doesn’t think the bank had any right to transfer it to another company and she shouldn’t have t... (2 pages)View decision -
Decision Reference DRN-3792023
18 Nov 2022 Landmark Mortgages Limited Not upheldMortgagesDRN-3792023 The complaint Mr and Mrs T’s settlement offer for their outstanding loan debt was rejected in 2015 by Landmark Mortgages Limited trading as NRAM. They complain that Landmark secretly decided it would accept a higher offer, which they could’ve afforded, but never told them. What... (3 pages)View decision -
Decision Reference DRN4889366
11 Sep 2019 Arrow Global Limited Not upheldBanking and creditMrs T has complained that Arrow Global Limited (‘AGL’) failed to supply paperwork when requested relating to a debt. Mrs T is also unhappy with the steps AGL has taken to recover this debt and any costs and charges it has added.Mrs T wants the balance of the debt to be either written off o... (3 pages)View decision -
Decision Reference DRN0759312
13 Aug 2014 Wescot Credit Services Limited Not upheldBanking and creditMr A complains about the debt collection activities of Wescot Credit Services Limited (“Wescot”) in relation to money owed to a third party bank – (“the lender”). He is dissatisfied that Wescot did not contact him after he contacted it, leading him to assume the debt had been written o... (3 pages)View decision -
Decision Reference DRN-3234510
4 Jan 2022 Sainsbury's Bank Plc UpheldConsumer CreditDRN-3234510 The complaint Mr M complains that Sainsbury's Bank Plc (Sainsbury’s) should have defaulted his personal loan earlier than they did. What happened In July 2018, Mr M took out a personal loan of £15,000 with Sainsbury’s. Monthly repayments were £302.15 over 60 months. The AP... (3 pages)View decision
