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 69711 results
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Decision Reference DRN0551622
10 Aug 2018 Tesco Personal Finance PLC Not upheldPayment protection insurance (PPI)Mr K has complained about the compensation he’s been offered by Tesco Personal Finance PLC (‘Tesco’) for the payment protection insurance (‘PPI’) policy that was sold to him on his credit card account. backgroundMr K was sold a PPI policy on his credit card account... (3 pages)View decision -
Decision Reference DRN3862533
24 Aug 2018 Christians Against Poverty Not upheldBanking and creditMs W is unhappy with how Christians Against Poverty ‘CAP’ have handled her debts.backgroundIn August 2016 Ms W contacted CAP for support handling her debts. At this time she owed money on her council tax, to two utility companies and had three other outstanding deb... (5 pages)View decision -
Decision Reference DRN9331934
7 Oct 2016 Foundation for Credit Counselling Not upheldBanking and creditMiss S complains that a debt management plan was mis-sold to her by Foundation for Credit Counselling, trading as StepChange. She is being helped with her complaint by a representative. backgroundMiss S asked StepChange for advice about her debts in April 2013 and ... (2 pages)View decision -
Decision Reference DRN2388848
27 Jun 2018 Robinson Way Limited Not upheldBanking and creditMr S has complained that Robinson Way Limited is chasing him for a debt which he believes is statute barred. backgroundMr S owed Barclaycard £8,637.30. This debt was sold to a debt collecting company in 2011 and eventually to Robinson Way. In March 2016, Robinson Way w... (2 pages)View decision -
Decision Reference DRN-2288257
27 Nov 2020 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2288257 The complaint Mr C complains that Cabot has treated him unfairly when trying to recover debts it acquired from other businesses. What happened Cabot has purchased three debts in Mr C’s name. Loan 1 In August 2012 Cabot acquired a personal loan account that had defaulted with th... (3 pages)View decision -
Decision Reference DRN4248177
30 Oct 2018 NewDay Ltd UpheldBanking and creditMr O complains about how NewDay Ltd has recorded his credit card account on his credit file.backgroundMr O said that he was no longer in work, because of health problems. He told NewDay about those problems, and it agreed not to pursue him for the outstanding de... (4 pages)View decision -
Decision Reference DRN7440082
4 Mar 2016 1st Credit Limited Not upheldBanking and creditMs M complains that 1st Credit Limited wrongly refuses to remove adverse data registered on her credit file.backgroundMs M owed debts to a bank.1st Credit bought the debts and took legal proceedings against Ms M to recover the money. Ms M says that 1st Credit fail... (2 pages)View decision -
Decision Reference DRN8483077
11 May 2020 Santander UK Plc UpheldBanking and creditMr Z has complained Santander UK plc is holding him liable for the expenditure on credit cards he didn’t apply for in 2016 and 2017.backgroundAfter applying for a loan with his bank, Mr Z was told his credit record showed a number of loans and credit cards. He’d never applied for these. Th... (3 pages)View decision -
Decision Reference DRN-2600017
17 Mar 2021 Intrum UK Limited Not upheldConsumer CreditDRN-2600017 The complaint Mrs R complains that Intrum UK Limited hasn’t sent her a copy of the deed of assignment in relation to two debts it acquired in her name. Mrs R also complains that she is vulnerable and that Intrum’s requests for repayment have unfairly impacted her. What happene... (2 pages)View decision -
Decision Reference DRN6867183
4 Dec 2014 Lloyds Bank PLC Not upheldBanking and creditMr R complains that Lloyds Bank PLC sold his debt to a third party and has not engaged with him properly over the sale.backgroundIn 2009 Mr R lost his job and in due course found himself in financial difficulties. He had built up a sizable overdraft on his current account and notified ... (2 pages)View decision
