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
-
Decision Reference DRN6858705
4 Dec 2014 Lowell Portfolio I Ltd Not upheldBanking and creditMr Z complains that Lowell Portfolio I Ltd (LP) is pursuing him for an unenforceable debt and it has not engaged with him fully in his complaint.backgroundMr Z has a sizeable credit card debt. He challenged the bank which supplied the credit card about the enforceability of that debt. He... (2 pages)View decision -
Decision Reference DRN0114071
12 Aug 2019 NewDay Ltd Not upheldBanking and creditMr D complains that although NewDay Ltd has passed his debt to a collection agency, it’s still asking him for money. He doesn’t want to be charged interest, and he doesn’t want to be charged twice.backgroundMr D contacted us because he thought something had gone wrong with payments to a cr... (2 pages)View decision -
Decision Reference DRN3693511
24 Jul 2015 Capquest Debt Recovery Limited Not upheldBanking and creditMs M complains Capquest Debt Recovery Limited is chasing her for a debt that isn’t hers. She also says that it’s harassing her by pursuing the debt.backgroundIn October 2010 and December 2012, two accounts were set up with a catalogue company in Ms M’s name. Ms M says... (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 DRN9805505
29 Jul 2015 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mrs K has complained about the way The Royal Bank of Scotland Plc (“RBS”) has used the compensation it agreed to pay her following a complaint about the sale of a payment protection insurance (“PPI”) policy.backgroundMrs K took out a loan with RBS and took out a PPI po... (2 pages)View decision -
Decision Reference DRN3459367
27 Mar 2014 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs G complain that Lloyds Bank plc (previously Lloyds TSB Bank plc) wrongly retained the residual sale proceeds of their property in reduction of Mrs G’s business debt. backgroundMr and Mrs G signed a mortgage deed over a property that they owned, which gave Lloyds a second... (2 pages)View decision -
Decision Reference DRN8284582
3 Jul 2020 Arrow Global Limited Not upheldBanking and creditMr N complains that Arrow Global Limited is unfairly chasing him for a debt. This complaint has been brought on his behalf by a professional representative.backgroundMr N entered into a credit agreement with a third party. This agreement was transferred to Arrow in December 2011. And Arrow... (3 pages)View decision -
Decision Reference DRN2294012
29 Sep 2017 Cabot Credit Management Group Limited Not upheldBanking and creditMr W complains that Cabot Credit Management Group Limited registered information on his credit file which he thinks it was not entitled to do.He asks that it stops putting “default notices” of his credit file, removes those that are there already and pay him reasonabl... (3 pages)View decision -
Decision Reference DRN5721653
13 Aug 2014 National Westminster Bank Plc Not upheldBanking and creditMrs E complains that National Westminster Bank Plc (NatWest) has provided confusing and misleading information about a consolidation loan and it is not willing to help her now she is experiencing difficulties in repaying it.backgroundMrs E had a number of accounts in her personal nam... (3 pages)View decision -
Decision Reference DRN8059911
16 Oct 2014 Sterling Financial Security Ltd UpheldBanking and creditMrs M has complained about the debt reduction plan she entered into with Sterling Financial Security Ltd, as her debt has not significantly reduced. She also believes that Sterling has made late payments to her creditors and has applied unjustified charges against her account. She wou... (2 pages)View decision