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 DRN3518017
30 Jan 2020 Barclays Bank UK PLC Not upheldBanking and creditComplaintMrs S complains that Barclays Bank UK PLC (trading as Barclaycard) is unfairly pursuing her to repay a credit card debt. BackgroundMrs S had a credit card with Barclaycard and in 2013 experienced some financial difficulties. In December 2013 a debt advice service got in touch wit... (2 pages)View decision -
Decision Reference DRN2494785
8 Mar 2017 Baines & Ernst Limited Not upheldBanking and creditMr and Mrs A complain, in summary, that Baines & Ernst Limited, (“BEL”), didn’t providethem with appropriate information when they entered into a debt management plan (“DMP”)with it. The complaint is brought to this service on Mr and Mrs A’s behalf by a claimsman... (4 pages)View decision -
Decision Reference DRN5382333
3 Jul 2014 Barclays Bank Plc Not upheldBanking and creditMr N complains that Barclays Bank Plc transferred his debt to a third party debt collection agency when it had previously agreed to write it off. He wants the bank to pay him compensation and to either write off the debt or agree a repayment plan with him. our initial conclusions... (2 pages)View decision -
Decision Reference DRN-4685065
5 Sep 2024 Erudio Student Loans Limited Not upheldConsumer CreditDRN-4685065 The complaint Miss R complains that Erudio Student Loans Limited lost her deferment paperwork and won’t acknowledge that two of the loans she took out are statute barred. What happened Miss R had outstanding student loans which Erudio bought from the original lender. Erudio ... (3 pages)View decision -
Decision Reference DRN7958993
13 Jul 2016 Vincent Bond & Co. Limited Not upheldBanking and creditMr F complains that Vincent Bond & Co Limited mis-sold a debt management plan.He has complained through a third party, but for ease of reading this decision has been drafted as if the complaint was made by Mr F.backgroundMr F complains that Vincent Bond didn’t ... (2 pages)View decision -
Decision Reference DRN-3336198
8 Mar 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3336198 The complaint Mrs S complains that Creation Financial Services Limited trading as Creation didn’t default her credit cards in 2013. Instead it continued to charge her interest while she was in a debt management plan and her accounts defaulted in 2018 and 2020 respectively. She ... (3 pages)View decision -
Decision Reference DRN1716204
8 Nov 2018 Link Financial Outsourcing Limited UpheldBanking and creditMs E complains that Link Financial Outsourcing Limited has recorded a debt on her credit file when it had agreed to write off the debt. Mr E would like her credit file amended and compensation for her distress and inconvenience in sorting this matter out and for ... (2 pages)View decision -
Decision Reference DRN-1773946
4 Nov 2020 Paragon Finance Plc Not upheldConsumer CreditDRN-1773946 The complaint Mr R complains that Paragon Finance PLC trading as Idem Servicing (Idem) is unfairly pursuing him to repay a debt it acquired from another business in 2013. What happened Idem says it acquired a debt in Mr R’s name in relation to a closed overdraft in March 2013. ... (3 pages)View decision -
Decision Reference DRN6592781
7 Feb 2018 Kapama Limited Not upheldBanking and creditMiss H complains, in summary, that Kapama Limited acted unfairly by not contacting her about a debt which she now cannot afford to repay.backgroundMiss H took out a loan with a company (“C”) in February 2012 for £150 which was to be repaid in April 2012. But Miss H... (2 pages)View decision -
Decision Reference DRN4242606
26 Jun 2014 Barclays Bank Plc UpheldPayment protection insurance (PPI)Mr A’s complaint is that Barclay’s Bank Plc (Barclays) has used part of the redress from a mis-sold PPI policy to reduce the arrears on the loan associated with the PPI policy. Mr A says the total compensation for the mis-sold policy should be paid directly to him.backgroundIn October 2... (3 pages)View decision