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 DRN-4588170
27 Mar 2024 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-4588170 The complaint Mr T complains that Lantern Debt Recovery Services Ltd (Lantern) haven’t investigated his complaint about irresponsible lending of a loan and harassment to repay it, from the original lender. What happened Mr T held a loan with a lender, which I’ll refer to as Com... (3 pages)View decision -
Decision Reference DRN5049228
19 Dec 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr H complains that Harrington Brooks (Accountants) Limited failed to give him relevant information about his debt management plan.backgroundMr H set up a debt management plan (DMP) with a different business in August 2013. HB took over the management of Mr H’s DMP in ... (2 pages)View decision -
Decision Reference DRN-5966903
10 Dec 2025 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-5966903 The complaint Mrs O complains that American Express Services Europe Limited (“AESEL”) has incorrectly recorded a default against her, and she’s been harassed by debt collection agencies. What happened AESEL defaulted Mrs O’s credit card account in March 2024 and referred th... (4 pages)View decision -
Decision Reference DRN6631585
3 Mar 2020 Capital One (Europe) plc Not upheldBanking and creditMr C complains that Capital One (Europe) plc didn’t inform him that it had assigned a debt he owed on a credit card agreement to another business.backgroundMr C tells us he first took out a credit card agreement with Capital One in 2008. At various times over the following years he says he... (2 pages)View decision -
Decision Reference DRN6979787
2 Oct 2015 National Westminster Bank Plc Not upheldBanking and creditMr C complains that National Westminster Bank plc changed and replaced his business accounts without taking proper account of his wishes, removing his control of the accounts and affecting his business. backgroundMr C had current and loan accounts with NatWest. He sa... (3 pages)View decision -
Decision Reference DRN3704881
12 Feb 2019 Lloyds Bank PLC Not upheldBanking and creditMr H is unhappy that Lloyds Bank PLC sold his credit card debt to another business without prior warning. He thinks this is a breach of contract as he’d reached an agreement with Lloyds on how the debt was to be repaid He also believes Lloyds breached data protection... (3 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 DRN9214599
14 Dec 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMs L has a number of concerns about the way that The Royal Bank of Scotland Plc (RBS) treated her, including closing her current account. Ms L wants RBS to pay her compensation. backgroundMs L opened a student account with RBS in 1998. She went on to upgrade this a... (3 pages)View decision -
Decision Reference DRN5617334
5 Mar 2015 Wilson Andrews Limited Not upheldBanking and creditMrs B complains that Wilson Andrews Limited (“WAL”) provided her with unsatisfactory debt management advice. backgroundMrs B sought debt management advice in 2007 from WAL, and was advised to enter into a Trust Deed. At the time of entering the Trust Deed, her total unsecured debts were... (3 pages)View decision -
Decision Reference DRN0968847
5 May 2016 Lowell Portfolio I Ltd Not upheldBanking and creditMr C complains that Lowell Portfolio I Ltd (the business) did not carry out sufficient due diligence before pursuing him for a debt that wasn’t his. backgroundMr C says that the business did not undertake due diligence on a debt it received from another entity. He say... (3 pages)View decision