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 DRN-5505612
10 Jul 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5505612 The complaint Mr S complains Cabot Credit Management Group Limited trading as Cabot Financial (Europe) Limited are asking him to repay a debt that isn’t his. What happened From the information I have a current account was opened in the same name as Mr S with a company I’ll r... (4 pages)View decision -
Decision Reference DRN6590916
24 Apr 2013 Bank of Scotland Plc Not upheldBanking and creditMiss Y complains that Bank of Scotland will not deal with her directly to discuss a repayment plan on her loan. She is unhappy that her account is being handled by debt collection agents and believes that this breaches her data protection rights.backgroundA default notice was issued... (2 pages)View decision -
Decision Reference DRN-5491884
18 Jul 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5491884 The complaint Mrs B complains about how Nationwide Building Society treated her in relation to her credit card account that was in persistent debt. What happened Mrs B says she has been in persistent debt with her Nationwide credit card since 2015. The balance she owes has ... (4 pages)View decision -
Decision Reference DRN0993407
18 Dec 2015 Lowell Financial Ltd Not upheldBanking and creditMr W complains that Lowell Financial Ltd (Lowell) is pursuing him for debts which he says are not his. backgroundIn 2015, upon checking his credit file, Mr W said he became aware of entries relating to Lowell. He said he did not have any debts with Lowell and so h... (3 pages)View decision -
Decision Reference DRN-3217754
29 Mar 2022 Aviva Administration Limited Not upheldMortgagesDRN-3217754 The complaint This complaint is about a mortgage that Ms G took out in 2006 on the advice and recommendation of a broker who represented Aviva Administration Limited (“AAL”). Ms G, who has third party representation) is unhappy with several aspects of the mortgage, but chiefly ... (3 pages)View decision -
Decision Reference DRN8505160
17 Jun 2014 MBNA Limited Not upheldBanking and creditMr G had a credit card account with MBNA Limited. He complains it sold this account to a company which didn’t have a consumer credit licence. He doesn’t know who he should now be paying.backgroundMr G went into default on his credit card account with MBNA. It sold the account. MBNA i... (2 pages)View decision -
Decision Reference DRN5803831
20 Aug 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMr J is unhappy with Cabot Credit Management Group Limited asking him to repay a debt, because he doesn’t think it has sufficient evidence to enforce it.backgroundMr J contacted Cabot in 2018 to ask for further information about a debt it was asking him to repay. Cabot said the debt relate... (2 pages)View decision -
Decision Reference DRN-2002032
10 Aug 2020 Elderbridge Limited Not upheldMortgagesDRN-2002032The complaintMr W is unhappy that Elderbridge Limited won’t remove a charge from the title of a property he owns. He believes the secured loan the charge was associated with was written-off by the original lender, or can’t be pursued by it, and so the charge should be removed. W... (3 pages)View decision -
Decision Reference DRN7336968
24 May 2019 Capquest Debt Recovery Limited UpheldBanking and creditMr C complains that Capquest Debt Recovery Limited continued to chase him for debt that didn’t belong to him, even after he made them aware.backgroundMr C started receiving letters from Capquest in May 2017. Capquest explained they were chasing an outstanding debt t... (2 pages)View decision -
Decision Reference DRN-4000326
20 Mar 2023 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-4000326 The complaint Mrs S complains that Lantern Debt Recovery Services Ltd is unfairly pursuing her for an outstanding debt. What happened In March 2022 Lantern purchased a debt in Mrs S’ name from another business I’ll call C. Mrs S has explained that she had an account with C but... (2 pages)View decision