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 74365 results
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Decision Reference DRN-2566872
8 Feb 2021 MBNA Limited UpheldBanking and PaymentsDRN-2566872 The complaint Mrs T complains that MBNA Limited has defaulted her credit card debt, although she says that she’d agreed a payment plan with MBNA. Mr T brings this complaint on her behalf. What happened Mr T said that Mrs T had reached an agreement with MBNA to pay off her cred... (3 pages)View decision -
Decision Reference DRN1091338
24 Jun 2015 Global Debt Recovery Limited UpheldBanking and creditMs D complains that Global Debt Recovery Limited (“GDR”) is unfairly pursuing her for a debt she does not owe. The complaint is brought on Ms D’s behalf by a family member, Mr D. But for ease, I shall refer below to all actions being taken by Ms D.our initial conclusionsThe ad... (2 pages)View decision -
Decision Reference DRN0361044
30 Apr 2015 House & Home Care Limited Not upheldBanking and creditMiss F complains that House & Home Care Ltd (the business) has provided her with poor service. She says it has not provided her with a clear account of where her payments have gone.background Miss F entered into a debt settlement plan with the business in January... (2 pages)View decision -
Decision Reference DRN0937485
15 Mar 2019 HSBC UK Bank Plc UpheldBanking and creditMr B complains that HSBC Bank Plc lent to him irresponsibly over a number of years. He approached them for help when he fell into financial difficulty and asked for a consolidation loan – but they didn’t help him. backgroundMr B has banked with HSBC for a number of... (6 pages)View decision -
Decision Reference DRN2599858
11 Jan 2018 Link Financial Outsourcing Limited Not upheldBanking and creditMr D complains that Link Financial Outsourcing Limited are pursuing him in relation to a county court judgment (“CCJ”) obtained in 2010. He says that the debt should have been written off as part of that court process.backgroundA trading style of Link obtained a ... (2 pages)View decision -
Decision Reference DRN-3304420
9 Feb 2022 Cabot Credit Management Group Limited UpheldConsumer CreditDRN-3304420 The complaint Mr S has complained that Cabot Credit Management Group Limited are pursuing him for a debt which he says is not his. What happened This complaint is about a bank loan which was sold to Cabot in 2016. Mr S asked Cabot for documents to show he owed them the debt. Ca... (3 pages)View decision -
Decision Reference DRN3033463
25 Mar 2014 HSBC Bank plc Not upheldBanking and creditMr G complains that HSBC Bank plc has not treated he and his ex-business partner equally in collecting their outstanding partnership debt. He wants the bank to agree that he is not liable for the repayment of the remaining debt. backgroundMr G and another person were partners in a busin... (2 pages)View decision -
Decision Reference DRN6577926
5 Aug 2014 Barclays Bank Plc Not upheldBanking and creditMrs C complains that Barclays Bank PLC, trading as Barclaycard, will not accept her settlement proposal for the credit card debt that she owes to it. She is being helped with her complaint by her father-in-law.backgroundMrs C had a credit card debt to Barclaycard that she was unable t... (2 pages)View decision -
Decision Reference DRN9635161
19 Dec 2013 Bank of Scotland Plc Not upheldBanking and creditMr T complains that Bank of Scotland plc (trading as Halifax) sold his debt to a third party, despite having agreed to write off the debt after five years. Mr T also says the debt should be statute barred. backgroundIn 2007 Mr T’s debt was passed to Halifax’s debt recovery department. ... (1 page)View decision -
Decision Reference DRN-2779890
27 May 2021 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-2779890 The complaint Mr F complains Link Financial Outsourcing Limited haven’t provided enough information to prove he’s responsible for a debt on a credit card they’re asking him to repay. What happened Mr F said he received a letter from Link in November 2019 saying he had an outsta... (2 pages)View decision
