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 DRN-5298658
26 Feb 2025 Lowell Portfolio I Ltd UpheldConsumer CreditDRN-5298658 The complaint Mr H is unhappy Lowell Portfolio I Ltd (“Lowell”) have been contacting him about a debt he says he knows nothing about. What happened Mr H says Lowell first contacted him about an outstanding debt of over £1,500, originally with a bank I’ll refer to as B, in S... (3 pages)View decision -
Decision Reference DRN5043025
12 Nov 2014 Bournes Limited UpheldBanking and creditMr B complains about a debt management plan he entered into with Bournes Limited (trading as Bournes Debt Solutions). He is unhappy that his debts were not cleared within the timeframe advised. Mr B is also unhappy with the way that Bournes handled his complaint.backgroundMr B entered a ... (2 pages)View decision -
Decision Reference DRN7550828
21 Oct 2016 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr M’s complaint is about the sale of a payment protection insurance (PPI) policy and the way Capital One (Europe) plc (Capital One) has used the compensation it offered to put things right.backgroundMr M was sold PPI with his credit card in 2004. Mr M later enter... (2 pages)View decision -
Decision Reference DRN-2777889
8 Jul 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2777889 The complaint Mr B complains that Barclays Bank UK PLC trading as Barclaycard acted unfairly when it refused to write off the balance on his credit card. What happened Mr B had a credit card account with Barclaycard. He says that he’s experienced financial and personal difficul... (4 pages)View decision -
Decision Reference DRN-4479047
27 Nov 2023 Lowell Financial Ltd Not upheldConsumer CreditDRN-4479047 The complaint Mr M complains about the way that Lowell Financial Ltd (Lowell) has managed the collection of a debt in his name. What happened Lowell Portfolio I Limited bought an outstanding debt in Mr M’s name and appointed Lowell to manage it on its behalf. Mr M complained th... (3 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 DRN6622870
16 Jun 2020 Cabot Credit Management Group Limited Not upheldBanking and creditMr K complains about Cabot Credit Management Group Limited (“Cabot’s”) management of a debt they say he owes them.backgroundMr K has been represented by his solicitors in this complaint but for ease I will refer to Mr K throughout this decision.Mr K says that: a debt Cabot say he has with... (3 pages)View decision -
Decision Reference DRN-5037714
23 Oct 2024 TRANSUNION INTERNATIONAL UK LIMITED UpheldConsumer CreditDRN-5037714 The complaint Mr G complains TransUnion International UK Limited incorrectly reported a debt on his credit file. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant elements of this below, and th... (7 pages)View decision -
Decision Reference DRN6771151
26 Apr 2018 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr M complained that a payment protection insurance (PPI) policy sold to him by Capital One (Europe) Plc (Capital One) alongside his credit card had been mis-sold.backgroundMr M complained to Capital One that the PPI he had on his credit card was mis-sold. After he ha... (2 pages)View decision -
Decision Reference DRN-3205925
9 Dec 2021 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3205925 The complaint Mr and Mrs A have complained that changes National Westminster Bank Plc (NatWest) made to its charging structure for overdrafts were unfair. They also feel that NatWest didn’t help them with their financial difficulties and that the continued application of charge... (4 pages)View decision
