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 71923 results
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Decision Reference DRN8452548
21 Jul 2017 Fluent Money Limited Not upheldBanking and creditMr and Mrs A are complaining that Fluent Money Limited didn’t pass on information about Mr A’s creditors to a lender. This has meant that the lender wasn’t able to pay off his debts from the proceeds of a loan they took out.backgroundMr and Mrs A asked Fluent Money... (2 pages)View decision -
Decision Reference DRN4999207
10 Mar 2016 Advanced Payment Solutions Limited UpheldBanking and creditMr A complains that Advanced Payment Solutions Limited (trading as Cashplus) recorded defaults on his credit file without telling him, and later told him it would remove the default records if he paid the debts, but did not do so.background Mr A owed money on an overdr... (2 pages)View decision -
Decision Reference DRN8441101
24 Apr 2014 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs T complain that Lloyds Bank PLC is harassing them and wrongly applying charges to their debt. They want the harassment to stop and compensation for distress. background Mr and Mrs T are in financial difficulties due to a change in their personal circumstances. They have m... (2 pages)View decision -
Decision Reference DRN3988290
16 Oct 2015 Wescot Credit Services Limited UpheldBanking and creditMr B complains that Wescot Credit Services Limited has failed to provide documentation about a debt it is trying to recover from him on behalf of the debt owner. He also complains about information registered about the debt on his credit file. background Wescot was ... (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 DRN1284078
8 Aug 2014 Barclays Bank Plc Not upheldBanking and creditMs F complains that Barclays Bank Plc did not treat her fairly when she was in financial difficulties. She says it should have written off her debt. Ms F asks for compensation and that the repayments she has made are refunded.backgroundMs F had financial difficulties from late 2005. She ... (2 pages)View decision -
Decision Reference DRN0114071
12 Aug 2019 NewDay Ltd Not upheldBanking and creditMr D complains that although NewDay Ltd has passed his debt to a collection agency, it’s still asking him for money. He doesn’t want to be charged interest, and he doesn’t want to be charged twice.backgroundMr D contacted us because he thought something had gone wrong with payments to a cr... (2 pages)View decision -
Decision Reference DRN6858705
4 Dec 2014 Lowell Portfolio I Ltd Not upheldBanking and creditMr Z complains that Lowell Portfolio I Ltd (LP) is pursuing him for an unenforceable debt and it has not engaged with him fully in his complaint.backgroundMr Z has a sizeable credit card debt. He challenged the bank which supplied the credit card about the enforceability of that debt. He... (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
