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 74313 results
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Decision Reference DRN4875959
31 Jul 2014 Lloyds Bank PLC Not upheldBanking and creditMr H complains that Lloyds Bank PLC is unfairly pursuing him for a debt owed on a joint account. He wants the bank to stop pursuing him. our initial conclusionsThe adjudicator thought that Mr H did owe Lloyds the debt as he was a joint account holder and so jointly and severally... (2 pages)View decision -
Decision Reference DRN7657127
5 Sep 2014 Lloyds Bank PLC Not upheldBanking and creditMr Z complained that his credit card agreement was not enforceable because his copy of the application wasn’t signed by Lloyds Bank plc. He said his debts should therefore be written off.our initial conclusionsOur adjudicator found that if Lloyds were to seek to take action to ... (2 pages)View decision -
Decision Reference DRN-2927132
30 Aug 2021 Cabot Credit Management Group Limited UpheldConsumer CreditDRN-2927132 The complaint Mr B has complained about Cabot Credit Management Group Limited pursuing him for a debt which he says they should not pursue him for. What happened This complaint is about a defaulted credit card account which was sold to Cabot in late 2003. Mr B says the account ... (2 pages)View decision -
Decision Reference DRN4818031
8 Apr 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMr G complains that Lowell Portfolio I Ltd pursued him over a number of years for a debt that was not his.background Mr G says that Lowell pursued him for a debt despite him telling it that the debt was not his. He says that the person whose debt it was had a differe... (2 pages)View decision -
Decision Reference DRN2301101
29 Mar 2019 Lowell Financial Ltd Not upheldBanking and creditMr A complains about a debt Lowell Financial Ltd is asking him to repay.backgroundMr A had an overdrawn account with a bank I’ll call B. In 2013, Lowell bought this debt from B and wrote to Mr A to explain that this is what had happened and asking him to pay the ... (2 pages)View decision -
Decision Reference DRN0335573
14 Jan 2014 Creation Financial Services Limited UpheldBanking and creditMrs K complains that Creation Financial Services Limited has added interest to her debt after a period of not applying interest. She says that this means that she will probably never be able to repay the debt in full and is making her financial problems worse. Mrs K, who is represented ... (2 pages)View decision -
Decision Reference DRN7685528
16 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs S complain, via a claims management company, that an authorised representative of Legal & General Partnership Services Limited (L&G) advised them to consolidate unsecured debt onto a mortgage, which they say was not in their best interests.backgroundMr an... (3 pages)View decision -
Decision Reference DRN-2566105
9 Feb 2021 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-2566105 The complaint Mr P complains Clydesdale Financial Services Limited trading as Barclays Partner Finance (BPF) failed to adhere to an agreed payment plan arrangement, charged interest and placed his debt with a debt collection agency. What happened Mr P entered into a payment pla... (2 pages)View decision -
Decision Reference DRN5381663
26 Aug 2015 Digital Finance Services UK Limited UpheldBanking and creditMr K complains that Digital Finance Services UK Limited tried to collect £3,160.62 from him for an initial loan of £400. He complains they didn’t answer any of his queries about the amount of the debt and wouldn’t provide proof they were entitled to collect it. backg... (2 pages)View decision -
Decision Reference DRN2973694
13 Nov 2014 1st Credit Limited UpheldBanking and creditMrs K complains that 1st Credit Limited unfairly sent letters chasing her debt, including the threat of court proceedings, far too early and without first assessing her situation properly.background1st Credit bought Mrs K’s debt from her previous lender. It sent a notice of assignment ... (3 pages)View decision
