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 72056 results
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Decision Reference DRN-3859724
7 Mar 2023 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-3859724 The complaint Miss N complains Lantern Debt Recovery Services Ltd are asking her to repay a debt which she’s said she was told would be repaid. What happened Miss N took out a loan with a company I’ll refer to as S. Miss N says when S went out of business, she was contacted on ... (3 pages)View decision -
Decision Reference DRN6604117
20 Aug 2013 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)This complaint is about a consolidation loan taken out in 2009. Miss A says that National Westminster Bank Plc – (NatWest) – advised her wrongly by telling her the loan had more chance of being approved if she gave the reason for the loan as a holiday or home improvements rather than co... (2 pages)View decision -
Decision Reference DRN7136469
18 May 2016 Drydens Limited Not upheldBanking and creditMr R complains that Drydens Limited, trading as Drydens Fairfax Solicitors, (“DL”) is unfairlypursuing him for a debt. He says that the debt is statute barred because the mortgage lenderhadn’t contacted him within 12 years.backgroundMr R was the owner of a property ... (4 pages)View decision -
Decision Reference DRN-3497901
10 Jun 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3497901 The complaint Miss H has complained that National Westminster Bank Plc (“Nat West”) have refused to remove the default records relating to debts they’ve sold to another company from her credit file – which she thinks makes her credit file inaccurate. What happened In mid-2019, ... (2 pages)View decision -
Decision Reference DRN2624463
27 Aug 2013 Arrow Global Limited Not upheldBanking and creditMr B complains that Arrow Global Limited has been trying to collect a debt which he had been told was written off in 2009. backgroundMr B does not dispute that he had a debt on a credit card account. But he says that in 2009 another collection company acting for the relevant bank told ... (1 page)View decision -
Decision Reference DRN9479487
16 Dec 2014 Apex Collections Limited Not upheldBanking and creditMr F complains about debt management activities carried out by Apex Collections Limited trading as Apex Credit Management (“Apex”).backgroundApex carries out debt collection activities on behalf of lenders with regulated credit agreements. Mr F had a debt owed to a creditor which had be... (2 pages)View decision -
Decision Reference DRN8823704
16 May 2014 Shoosmiths LLP UpheldBanking and creditMiss M complains that Shoosmiths LLP refused to accept her repayment plan and has not worked with her to resolve her debt.background Miss M owes money to a building society and she suggested a monthly payment regime which would take some 200 years to pay off the debt. The society sugges... (2 pages)View decision -
Decision Reference DRN6670707
5 Jul 2013 Lloyds TSB Bank Plc UpheldBanking and creditMr S has complained that Lloyds TSB Bank Plc combined his debts and applied higher interest and charges to the outstanding balance. He also complains that the bank transferred the debt to a debt collection agency which began to chase him for repayment. backgroundOur adjudicator concluded ... (2 pages)View decision -
Decision Reference DRN1778177
4 Dec 2020 National Westminster Bank Plc Not upheldBanking and creditMrs P complains about how National Westminster Bank Plc has treated her in pursuing a debt of around £472,000. background Mrs P held a joint mortgage with her ex-husband, taken out some time ago, which fell behind in payments. NatWest took legal action to recover costs and in February 2010... (2 pages)View decision -
Decision Reference DRN-2636583
11 Jun 2021 Intrum UK Limited Not upheldBanking and PaymentsDRN-2636583 The complaint Ms B complains about the actions of Intrum UK Limited (Intrum) regarding a debt it says she owes. What happened The debt Ms B complains about originated from a current account overdraft facility provided to her by a bank. The original account was closed in Septemb... (3 pages)View decision
