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 DRN7478894
9 Sep 2015 OPOS Limited UpheldBanking and creditMr R has complained that OPOS Limited is unfairly pursuing him for a debt.background Around three years ago, Mr R took out a loan for £150 with another business. Ultimately, the debt, plus interest, was passed to OPOS. The debt stood at £1,181.50.Mr R feels he sh... (1 page)View decision -
Decision Reference DRN-2235442
7 Dec 2020 Arrow Global Limited Not upheldConsumer CreditDRN-2235442 The complaint Mr E complains about Arrow Global Limited’s actions when trying to recover a debt. What happened In December 2011 Arrow acquired a credit card debt from the original lender. On 15 January 2012 Arrow sent Mr E a notice of assignment to confirm the balance of £2,610... (3 pages)View decision -
Decision Reference DRN7291073
2 Nov 2016 GE Money Home Lending Limited Not upheldBanking and creditMs G complains in her capacity as administrator of the estate of her late mother (who I will call Miss G, for the sake of clarity). Ms G is also the sole beneficiary of the estate. She is assisted in bringing the complaint by solicitors.Ms G’s complaint is abou... (3 pages)View decision -
Decision Reference DRN9484399
14 Nov 2016 MKDP LLP UpheldBanking and creditMr B complains that MKDP LLP, (“MKDP”), is pursuing him for two statute barred debts, it didn’t respond to his complaint letter, and it has recorded the wrong amount for one of his debts.backgroundMr B had two accounts with a lender (“L”) which were sold to MKDP in J... (3 pages)View decision -
Decision Reference DRN0939237
8 Apr 2016 Lowell Portfolio I Ltd UpheldBanking and creditMr L complains that Lowell Portfolio I Ltd (Lowell) applied a default on his credit file without letting him know beforehand.Mr L wants compensation for this and for the default to be totally removed from his credit file history.backgroundI issued a provisional deci... (4 pages)View decision -
Decision Reference DRN-3312572
11 Mar 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3312572 The complaint Mr O complains that HSBC UK Bank Plc allowed his identity to be used to fraudulently open a bank account. What happened Mr O explained that he first became aware of a default on his credit file in January 2021. The default related to an overdraft on a HSBC current... (2 pages)View decision -
Decision Reference DRN0540984
8 Feb 2017 Vanquis Bank Limited UpheldBanking and creditMiss T complains that Vanquis Bank Limited (the business) chased her for a debt it had no proof she owed. She complains that the business harassed her for payment and that the number of calls she received was excessive.background Miss T says that she was contacted by th... (2 pages)View decision -
Decision Reference DRN-3688944
30 Sep 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3688944 The complaint Mrs and Mr P complain that Lloyds Bank Plc (‘Lloyds’) inappropriately shared their data. What happened Mrs and Mr P had a joint current account with Lloyds. In early 2022 Mrs and Mr P were engaging with a debt charity and had given it consent to obtain information... (3 pages)View decision -
Decision Reference DRN-1397738
27 Apr 2020 J D Williams & Company Limited Not upheldConsumer CreditDRN-1397738The complaintMiss H complains that she has a debt outstanding for catalogue shopping with JD Williams and Company Ltd (JDW). She says this debt was cleared in 2014 so the outstanding amount, interest and charges are unfair. What happenedMiss H had a catalogue shopping account wi... (3 pages)View decision -
Decision Reference DRN-4205932
29 Jun 2023 Barclays Bank UK PLC Not upheldConsumer CreditDRN-4205932 The complaint Ms D complains that Barclays Bank UK PLC was irresponsible in its lending to her. What happened Ms D was provided with a loan for £17,200 in April 2017 on which she was required to make 60 monthly repayments of around £447. Ms D says she was in financial difficult... (3 pages)View decision
