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
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Decision Reference DRN2649229
21 Dec 2017 Commercial Associates Limited Not upheldBanking and creditMs D is unhappy Commercial Associates Limited (CAL) pursued her for a debt in respect of a vehicle she hired from it. She also says she was pressurised to hire the vehicle. backgroundMs D needs a specialised vehicle for her business which she hired from CAL, agree... (3 pages)View decision -
Decision Reference DRN-2566872
8 Feb 2021 MBNA Limited UpheldBanking and PaymentsDRN-2566872 The complaint Mrs T complains that MBNA Limited has defaulted her credit card debt, although she says that she’d agreed a payment plan with MBNA. Mr T brings this complaint on her behalf. What happened Mr T said that Mrs T had reached an agreement with MBNA to pay off her cred... (3 pages)View decision -
Decision Reference DRN1091338
24 Jun 2015 Global Debt Recovery Limited UpheldBanking and creditMs D complains that Global Debt Recovery Limited (“GDR”) is unfairly pursuing her for a debt she does not owe. The complaint is brought on Ms D’s behalf by a family member, Mr D. But for ease, I shall refer below to all actions being taken by Ms D.our initial conclusionsThe ad... (2 pages)View decision -
Decision Reference DRN-2715453
14 Apr 2021 Hoist Finance UK Limited Not upheldConsumer CreditDRN-2715453 The complaint Mr D has complained that Hoist Finance UK Limited didn’t send him the documents he asked for. What happened This complaint is about a credit card account from 2013, which was sold to Hoist in 2018. In 2020, Mr D asked Hoist for certain documents such as the credit... (2 pages)View decision -
Decision Reference DRN2599858
11 Jan 2018 Link Financial Outsourcing Limited Not upheldBanking and creditMr D complains that Link Financial Outsourcing Limited are pursuing him in relation to a county court judgment (“CCJ”) obtained in 2010. He says that the debt should have been written off as part of that court process.backgroundA trading style of Link obtained a ... (2 pages)View decision -
Decision Reference DRN-3023050
22 Oct 2021 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-3023050 The complaint Ms Q complains about a debt Lowell Portfolio I Ltd says she owes. She also complains about how she is being chased for the debt. In this decision, where I have referred to ‘Lowell’ I am referring to Lowell Portfolio I Ltd. Where I have referred to Ms Q in this dec... (4 pages)View decision -
Decision Reference DRN-1374184
7 Apr 2020 PRA Group (UK) Limited Not upheldConsumer CreditDRN-1374184The complaintMrs W complains that PRA Group (UK) Limited purchased a debt from her credit card provider, who I’ll call ‘A’ when she hadn’t given her permission for the debt to be sold. She said that she neither saw nor signed the terms and conditions A relied on to sell the debt... (3 pages)View decision -
Decision Reference DRN4675469
7 Dec 2016 Santander UK Plc Not upheldBanking and creditMs M says Santander UK Plc has wrongly applied a default marker to her account.backgroundMs M says she came to a repayment plan through a debt referral agency that included making payments to Santander to clear her overdraft. She says Santander confirmed it was awa... (2 pages)View decision -
Decision Reference DRN8454617
18 Dec 2013 Barclays Bank Plc Not upheldBanking and creditMrs K complains that Barclays Bank PLC, trading as Barclaycard, allowed her to borrow money she could not afford to repay and failed to deal appropriately with her request for assistance during a period of financial difficulty. She wants Barclaycard to retain the debt, cancel rolled up ... (3 pages)View decision -
Decision Reference DRN-2695463
20 Mar 2021 Barclays Bank Plc Not upheldBanking and PaymentsDRN-2695463 The complaint Mr A complains that Barclays Bank PLC (Barclays) chased him for the repayment of his debt despite a court order being in place preventing this. What happened Mr A held a business account with Barclays and in September 2018 they withdrew his overdraft facility and ... (3 pages)View decision