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-5112655
14 Nov 2024 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-5112655 The complaint Ms S complains that Capquest Debt Recovery Limited (Capquest) unfairly continued to pursue repayment of a debt after it told her that it had marked her account as settled and closed on a goodwill basis in January 2021. What happened Ms S had an outstanding cred... (5 pages)View decision -
Decision Reference DRN7710470
12 Jan 2017 Clark Richards Limited Not upheldBanking and creditMr H complains that Clark Richards Limited, trading as Clark Richards Financial Management, (“CRL”), didn’t provide him with appropriate information about a debt management plan (“DMP”) with it. The complaint is brought to this service on Mr H’s behalf by a claims manage... (2 pages)View decision -
Decision Reference DRN2088887
31 Dec 2019 Link Financial Outsourcing Limited Not upheldBanking and creditMr P complains that Link Financial Outsourcing Limited (“Link”) are chasing him for a debt despite him having paid everything that was due.backgroundMr P was financing a car through an agreement with a company I will call “F”. The lease came to an end in September 2016 and Mr P returned hi... (2 pages)View decision -
Decision Reference DRN5922955
21 Dec 2018 Lowell Financial Ltd Not upheldBanking and creditMr B complains that Lowell Financial Ltd is pursuing him for a debt he doesn’t owe.backgroundLowell acquired a debt amounting to £767.20 from a mobile phone company in February 2016. It sent a letter of assignment to Mr B in March 2016. Shortly before this Mr B ha... (2 pages)View decision -
Decision Reference DRN9417976
14 Jan 2020 PRA Group (UK) Limited Not upheldBanking and creditMr P complains that PRA Group (UK) Limited are now pursuing him for a debt that he thought had been settled. backgroundMr P took out a fixed-sum loan agreement in September 2009 with a third-party creditor to help fund the purchase of a car. He eventually returned the vehicle to the main f... (2 pages)View decision -
Decision Reference DRN3322643
30 Oct 2019 Hoist Finance UK Limited Not upheldBanking and creditMr P says he no longer owes a credit card debt which originated with Santander and which Hoist Finance UK Limited says is now owed to Hoist. backgroundHoist’s representative Robinson Way Limited has written to Mr P pursuing the debt. Mr P says he’s already repaid the debt via a debt manage... (2 pages)View decision -
Decision Reference DRN4462192
15 Nov 2013 Barclays Bank Plc Not upheldBanking and creditMr W complains that Barclays Bank Plc (trading as “Barclaycard”) has said he owes money on two credit cards. These debts have been sold to a third party debt collection agency, who is contacting Mr W for repayment. Mr W accepts that he does hold two credit card accounts with Barclayc... (2 pages)View decision -
Decision Reference DRN-4113000
20 Jul 2023 National Westminster Bank Plc UpheldConsumer CreditDRN-4113000 The complaint Miss R complains that National Westminster Bank Plc (NatWest) has made a series of mistakes, which have prevented her from dealing with a debt she has with it. To resolve matters she’d like the bank to refund all the interest and charges it has applied over the la... (4 pages)View decision -
Decision Reference DRN-3172527
25 Nov 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3172527 The complaint Mrs C is unhappy that Barclays Bank UK Plc (trading as “Barclaycard”) pursued her for a debt that wasn’t hers. What happened In early 2020 Mrs C was the victim of identify theft. Several different banks contacted her to let her know accounts in her name had been o... (3 pages)View decision -
Decision Reference DRN-3798853
2 Dec 2022 Lantern Debt Recovery Services Ltd UpheldConsumer CreditDRN-3798853 The complaint Miss I complains Lantern Debt Recovery Services Ltd have held her liable for a fraudulent loan. Miss I also complains about how long they took to investigate her claim the loan they were asking her to repay was fraudulent. Another party has supported Miss I in bri... (3 pages)View decision
