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 69710 results
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Decision Reference DRN-4461788
1 Dec 2023 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4461788 The complaint Mrs G complains that Tesco Personal Finance PLC trading as Tesco Bank irresponsibly agreed a loan for her. What happened Tesco agreed a loan of £14,999.29 for Mrs G in January 2019. The total amount owed was £18,528.60 to be repaid at £308.81 a month over 5 years.... (3 pages)View decision -
Decision Reference DRN9882893
29 Nov 2016 1st Credit Limited Not upheldBanking and creditMr D’s unhappy that 1st Credit Limited has continued pursuing him for a debt he says he’s not responsible for. He wants the debt waived, recovery action to stop and his credit file amended.backgroundOur adjudicator felt this complaint shouldn’t be upheld. He said: Mr... (2 pages)View decision -
Decision Reference DRN-2628875
31 Mar 2021 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2628875 The complaint Mr U complains that Cabot Financial (Europe) Limited is reporting a default on his credit file for a debt that isn’t his. What happened In May 2017 a credit card debt in Mr U’s name was acquired by Cabot. Both the original lender and Cabot sent Notices of Assignme... (2 pages)View decision -
Decision Reference DRN-4216940
11 Jul 2023 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4216940 The complaint Mr L complains that Capital One (Europe) plc has refused to write off his debt and has not fairly considered that request. What happened Mr L says he asked Capital One to write off his credit card account debt. He says he has a number of health issues which mean h... (2 pages)View decision -
Decision Reference DRN-4162946
13 Nov 2023 Lowell Portfolio I Ltd Not upheldBanking and PaymentsDRN-4162946 The complaint Miss R complains that Lowell Portfolio I Ltd say she owes a debt relating to a credit card account. What happened Miss R had a credit card account with a company I’ll refer to as “V”. Lowell purchased the outstanding debt on the credit card account in September 20... (2 pages)View decision -
Decision Reference DRN2870394
15 Nov 2017 Nationwide Building Society Not upheldBanking and creditMs R complains that Nationwide Building Society (“Nationwide”) is seeking to recover a debt from her which she says is statute barred and so irrecoverable. Ms R is assisted in bringing her complaint by her legal representatives.backgroundIn 1999 Ms R took a loan with ... (2 pages)View decision -
Decision Reference DRN-4287830
7 Sep 2023 ACI-UK LIMITED Not upheldConsumer CreditDRN-4287830 The complaint Mr I complains about the way that ACI-UK Limited (ACI) has managed the collection of a debt in his name. Mr I wants ACI to accept his settlement offer and write the debt off. What happened In 2022, ACI bought an account in Mr I’s name. The account was originally h... (2 pages)View decision -
Decision Reference DRN0304052
13 Jun 2017 Cabot Credit Management Group Limited Not upheldBanking and creditMr A’s complaint is that Cabot Credit Management Group Limited is asking him to pay back a debt that isn’t his. backgroundIn October 2016, Cabot bought a debt of around £8,000 in the name of Mr A from another debt collection agency. The agencies’ records show that th... (2 pages)View decision -
Decision Reference DRN6048356
3 Oct 2018 Santander UK Plc Not upheldBanking and creditMrs B complains that she’s being pursued for repayment of the money that was lent to her under a fixed sum loan agreement with Santander UK plc, trading as Santander Cards. She also complains about the adverse information that’s been recorded on her credit file. ... (2 pages)View decision -
Decision Reference DRN7739325
21 Jun 2018 Cabot Credit Management Group Limited Not upheldBanking and creditMrs B complains about the way Cabot Credit Management Group Limited has managed her debt. backgroundMrs B took out an unsecured personal loan with a third party in 2008. The amount outstanding is around £23,000. Cabot bought the debt from in 2012, but at this time ano... (3 pages)View decision
