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 69710 results
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Decision Reference DRN8051769
18 Feb 2020 Cabot Credit Management Group Limited Not upheldBanking and creditMr H is disputing the sum that that Cabot Credit Management Group Limited, trading as Cabot Financial (Europe) Limited, are asking him to repay. He has complained that Cabot hasn’t shown him proof of the amount owing.backgroundMr H had a loan which was opened in February 2014. The loan was... (3 pages)View decision -
Decision Reference DRN2618371
18 Sep 2018 Paragon Finance Plc Not upheldBanking and creditMr and Mrs H complain that Paragon Finance PLC, trading as Idem Servicing (“Idem”) shouldn’t be chasing them for a debt owed to Lloyds as they didn’t have a debt to Lloyds.backgroundMr and Mrs H say that a debt that Idem are chasing them for isn’t theirs. They say... (3 pages)View decision -
Decision Reference DRN6549765
10 Apr 2013 National Westminster Bank Plc Not upheldBanking and creditMiss R complains about the way the bank has treated her over the years, first in pursuing for the repayment of a mortgage held in her ex-partner’s name and then selling her two loans which were unaffordable.background Miss R’s ex-partner took out a mortgage with NatWest to buy the pro... (3 pages)View decision -
Decision Reference DRN-3103459
1 Dec 2021 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3103459 The complaint Miss M complained that National Westminster bank had placed markers on her credit file, relating to a small debt she didn’t know about, which were having a significant impact on her ability to borrow. She told us about the wider impact this had on her life. What h... (4 pages)View decision -
Decision Reference DRN8558124
12 Dec 2014 Santander Cards UK Limited Not upheldBanking and creditMr N has complained that Santander Cards UK Limited is pursuing him for a debt on a store card when he believes the arrears are the result of their original error in cancelling a direct debit.backgroundIn October 2010, Santander cancelled the direct debit that Mr N h... (2 pages)View decision -
Decision Reference DRN6098614
19 Feb 2018 Tesco Personal Finance PLC Not upheldBanking and creditMr H has complained that Tesco Personal Finance PLC told him his debt had been repaid when there remained an outstanding balance. backgroundMr H took out a loan with Tesco in 2009 for £5,500. In 2017 Mr H complained to Tesco about irresponsible lending at the time of t... (2 pages)View decision -
Decision Reference DRN-4178820
8 Jun 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4178820 The complaint Miss R complains about the way Bank of Scotland plc (“BoS”) treated her in relation to debts she held with it. What happened Miss R had loans and an overdraft with BoS. Miss R experienced employment issues and ill health in 2004/2005 which impacted her ability to ... (3 pages)View decision -
Decision Reference DRN9070349
25 Jan 2018 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)Mr D is unhappy with how National Westminster Bank Plc (NatWest) has resolved his complaint about a payment protection insurance (‘PPI’) policy attached to his credit card.backgroundMr D took out a credit card with NatWest in 2003. Mr D also had a PPI policy on t... (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 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
