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 77095 results
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Decision Reference DRN1922109
15 Aug 2013 BCB Solutions Limited UpheldBanking and creditMr L complains that BCB Solutions Limited (trading as MyClaimsExpert) failed to administer a debt management plan adequately, causing him severe distress.backgroundMr L set up a debt management plan with MyClaimsExpert in July 2011. This was to repay two debts with the same creditor, pr... (2 pages)View decision -
Decision Reference DRN-5388368
13 Mar 2025 ACI-UK LIMITED Not upheldConsumer CreditDRN-5388368 The complaint Mr A complains that ACI-UK LIMITED (ACI) are chasing him for a debt they’ve been unable to evidence legal ownership of. He also complains that ACI registered a default on his credit file in 2022, for a debt that allegedly defaulted in 2018. What happened I issu... (5 pages)View decision -
Decision Reference DRN-3567881
3 Aug 2022 Drydens Limited Not upheldConsumer CreditDRN-3567881 The complaint Mr N has complained that Drydens Limited are pursuing him for a debt which a previous company had said was settled. What happened This complaint is about a consumer credit debt which Drydens are managing on behalf of Arrow Global. Arrow were sold the account and o... (3 pages)View decision -
Decision Reference DRN5382333
3 Jul 2014 Barclays Bank Plc Not upheldBanking and creditMr N complains that Barclays Bank Plc transferred his debt to a third party debt collection agency when it had previously agreed to write it off. He wants the bank to pay him compensation and to either write off the debt or agree a repayment plan with him. our initial conclusions... (2 pages)View decision -
Decision Reference DRN6378535
10 Jan 2017 House & Home Care Limited Not upheldBanking and creditMr and Mrs A complain that House & Home Care Limited, trading as Immediate Financial, (“IF”), overcharged them in terms of their fees and hadn’t assisted them in paying their debtsbackgroundMr and Mrs A initially entered into a debt management plan (“DMP”) with... (2 pages)View decision -
Decision Reference DRN-3824816
28 Nov 2022 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-3824816 The complaint Mr M complains Cabot Credit Management Group Limited trading as Cabot have treated him unfairly when attempting to collect debts he has with them. What happened I previously issued a provisional decision setting out what’d happened, and my thoughts on that. I’ve c... (5 pages)View decision -
Decision Reference DRN2439313
8 Apr 2020 Legal & General Partnership Services Limited Not upheldBanking and creditMs A through her solicitor B complains that Legal & General Partnership Services Limited (“L & G”) mis-sold her a mortgage, through an appointed representative that was part of its network, by telling her that the only option available was interest only and by advising her to conso... (3 pages)View decision -
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 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-2695487
14 May 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2695487 The complaint Mr W complains that NewDay Ltd trading as Aqua (Aqua) lent to him irresponsibly. What happened Mr W applied for a credit card from Aqua. This was approved on 1 May 2016 with a limit of £600. The limit was unchanged. In September 2018, Aqua sent Mr W a Notice of De... (2 pages)View decision