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 70868 results
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Decision Reference DRN6802064
1 Feb 2018 Elevate Credit International Limited UpheldBanking and creditMr P complains that he obtained credit and took out loans with Elevate Credit International Limited (trading as Sunny) in 2014 and 2015. He says that he couldn’t afford these loans. Mr P also complains that it wasn’t right for Sunny to pass his debts to a debt collect... (9 pages)View decision -
Decision Reference DRN-2967578
25 Aug 2021 Home Retail Group Card Services Limited Not upheldBanking and PaymentsDRN-2967578 The complaint Ms H is unhappy that Home Retail Group Card Services Limited (Argos) are reporting arrears to her credit file. What happened In October 2019, Ms H emailed Argos and advised that she‘d sought help from a debt charity to help her manage her financial affairs. Ms H’s... (2 pages)View decision -
Decision Reference DRN-2727777
28 Jun 2021 Azzurro Associates Limited Not upheldConsumer CreditDRN-2727777 The complaint Mr M complains that Azzurro Associates Limited (Azzurro) have registered a default against him. What happened Mr M took out a loan with a third-party lender. In 2019, this lender sold the debt of £3,849.56 to Azzurro. Azzurro, through third party debt collectors, ... (3 pages)View decision -
Decision Reference DRN6972489
5 Dec 2019 Lantern Debt Recovery Services Ltd Not upheldBanking and creditMr M is unhappy Lantern Debt Recovery Services Ltd is holding him responsible for a debt which he originally said wasn’t his.backgroundIn December 2016 Lantern bought a debt from another lender which had been taken out in 2013. It wrote to Mr M about repaying the debt, but received no resp... (2 pages)View decision -
Decision Reference DRN6514249
13 Feb 2014 Lloyds Bank PLC Not upheldBanking and creditMs D complains that Lloyds Bank PLC is wrongly holding her liable for a debt incurred by her ex-partner. She says she has never been his business partner and did not know she had signed an agreement to be jointly and severally liable for any debts he raised. She would like to be released... (2 pages)View decision -
Decision Reference DRN0935708
17 Mar 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr B complains that he was given unsuitable mortgage advice by an appointed representative of Legal & General Partnership Services Limited. Mr B is represented in this matter by a third party.backgroundIn early 2007 Mr B met an appointed representative of Legal &a... (2 pages)View decision -
Decision Reference DRN0268509
15 May 2019 Debt Managers (Services) Limited Not upheldBanking and creditMiss B complains that Debt Managers (Services) Limited (“DMS”) hasn’t updated her credit file correctly.backgroundMiss B had a store card with shop N. Shop N registered a default against Miss B in September 2014. In 2016, Shop N sold the debt to DMS. DMS explained to... (2 pages)View decision -
Decision Reference DRN-5353716
14 Mar 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5353716 The complaint Mr K complains that Capital One (Europe) plc defaulted his credit cards and sold the debts to a debt collection agency. Mr K believes the debts should be written off because they have been outstanding for ore than 6 years. What happened Mr K held two credit car... (2 pages)View decision -
Decision Reference DRN4096411
22 Jul 2015 Barclays Bank Plc Not upheldBanking and creditMr E has complained that Barclays Bank Plc is charging interest on his Barclaycard balance, whilst Mr E is on a debt management plan due to financial difficulties.backgroundMr E entered a debt management plan (‘DMP’) in 2010. Due to this, Barclays accepted monthly payme... (2 pages)View decision -
Decision Reference DRN-3074432
28 Sep 2021 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-3074432 The complaint Mr M has complained that Link Financial Outsourcing Limited are chasing him for a debt which he believes he doesn’t owe. What happened This complaint is about a current account overdraft debt that was sold from the original creditor to a new company in September 2... (3 pages)View decision
