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 69825 results
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Decision Reference DRN6912140
28 Feb 2017 MBNA Limited Not upheldBanking and creditMr M complains that MBNA Limited won’t accept a reduced payment towards his credit card account debt. He wants it to remove a default it applied to his account.backgroundMr M was in a debt management plan supported by a debt management charity. After a review, he a... (2 pages)View decision -
Decision Reference DRN-4458022
15 Nov 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-4458022 The complaint Mr F complains that Santander UK Plc closed his bank accounts but continued to allow his current account to operate, including allowing direct debit payments to be made from it. As he result, he ran up a debt which affected his credit rating. What happened Mr F he... (3 pages)View decision -
Decision Reference DRN7203364
10 Feb 2015 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr T’s complaint concerns his credit card and an associated payment protection insurance (PPI) policy – both sold by Capital One (Europe) plc. He is unhappy that a debt remains on the card after having made a successful claim on the PPI policy and with Capital One’s pursuit of the debt... (2 pages)View decision -
Decision Reference DRN2692633
4 May 2017 Capital One (Europe) plc UpheldBanking and creditMr C is unhappy that Capital One (Europe) plc has registered a default against his credit record even though there’s an agreed debt management programme (DMP) in place. His other lenders haven’t registered a default and he doesn’t think that Capital One has followed indu... (4 pages)View decision -
Decision Reference DRN7406298
15 Dec 2014 Cabot Financial (Europe) Limited Not upheldBanking and creditMr J complains that Cabot Financial (Europe) Limited (“Cabot”) has been pursuing him for the repayment of money that he does not owe. He says he was in the process of disputing that he owed this money when the previous debt owner (“B”) sold the debt to Cabot. On this basis he believes th... (2 pages)View decision -
Decision Reference DRN-1754412
23 Sep 2020 Equifax Limited Not upheldConsumer CreditDRN-1754412The complaintMr M complains that Equifax Limited reported active Debt Management Programs (DMPs) on his credit file in relation to settled accounts. What happenedLast year, Mr M contacted Equifax as a debt he had repaid was showing on his credit file as being paid as part of a D... (2 pages)View decision -
Decision Reference DRN1138532
20 Dec 2016 HSBC Bank plc Not upheldBanking and creditMr S complains that HSBC Bank Plc has recorded incorrect information on his credit file. He says a store card debt should’ve been added earlier than it actually was. background HSBC said Mr S had a previous loan which he defaulted on which was registered with the credit... (2 pages)View decision -
Decision Reference DRN7591529
8 Nov 2017 PRA Group (UK) Limited UpheldBanking and creditMrs H’s complaint is about a debt that PRA Group (UK) Limited is collecting from her. She says she can’t afford to make any level of repayment, and thinks it should be written off in light of her circumstances. backgroundMrs H asked PRA to write off the debt owed ... (3 pages)View decision -
Decision Reference DRN6620313
1 Nov 2013 Shop Direct Finance Company Limited UpheldBanking and creditMiss G complains that Shop Direct Finance Company Limited (“Shop Direct”) mistakenly awarded her £5,172.02 as part of a reward scheme run by Shop Direct Home Shopping Limited. She says she has done nothing wrong, the whole sequence of events stemmed from its mistake and therefore it shou... (3 pages)View decision -
Decision Reference DRN7545727
18 Dec 2014 Fredrickson International Limited Not upheldBanking and creditMr E complains that Fredrickson International Limited has tried to recover an old credit card debt from him. He says he does not owe the money and complains that Fredrickson has harassed him and breached industry guidelines. backgroundMr E complains that Fredrickson, a licensed debt col... (2 pages)View decision
