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 DRN-4163298
26 Jun 2023 Lowell Financial Ltd Not upheldConsumer CreditDRN-4163298 The complaint Mr D complains about the actions of Lowell Financial Ltd when it took over the management of a debt. What happened Mr D complained to Lowell because he felt the Notice of Assignment (NOA) letters appeared to have been sent by the original lender, but he says he fo... (2 pages)View decision -
Decision Reference DRN-3113320
20 Oct 2021 Credit Resource Solutions Ltd UpheldConsumer CreditDRN-3113320 The complaint Mr W complaints Credit Resource Solutions Ltd (CRS) haven’t treated him fairly when collecting a debt of his. What happened I issued my provisional decision setting out what’d happened, and wht I thought was a fair resolution to that. I’ve copied the relevant elem... (7 pages)View decision -
Decision Reference DRN8362898
5 Sep 2018 Moneybarn No. 1 Limited Not upheldBanking and creditMr P complains that Moneybarn No 1 Limited didn’t mark his debt as a default, so it is still on his credit file. He wants Moneybarn to mark the debt as a default so it will no longer show on his credit file. backgroundMr P entered into an IVA w hic h completed i... (2 pages)View decision -
Decision Reference DRN2809446
12 Mar 2015 Lloyds Bank PLC Not upheldBanking and creditMr A complains that Lloyds Bank plc wrongly held him liable for a loan taken out in his name by his former partner.backgroundMr A held a joint Lloyds current account with his partner, Ms B. Following an online loan application, Lloyds granted a loan in Mr A’s name and the proceeds of the... (2 pages)View decision -
Decision Reference DRN-3073023
28 Sep 2021 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3073023 The complaint Mr C complains that (Lloyds) defaulted his overdraft and sold the debt to a debt collection agency. What happened Mr C transferred his account from Lloyds to another bank in February 2020. The balance was then £2,002.80 debit. He repaid £1,000 on 27 February 2020,... (4 pages)View decision -
Decision Reference DRN9529343
9 Apr 2014 Marks & Spencer Financial Services plc Not upheldBanking and creditMrs T complains that Marks & Spencer Financial Services Plc trading as M&S Bank did not treat her positively and sympathetically when she told it she was in financial difficulties with debt on her credit card account. She believes it misled her about the options available to her.... (2 pages)View decision -
Decision Reference DRN-4916804
1 Aug 2024 Chetwood Financial Limited UpheldConsumer CreditDRN-4916804 The complaint Miss T complains that Chetwood Financial Limited trading as LiveLend was irresponsible in its lending to her. What happened Miss T was provided with a £10,000 loan by LiveLend in December 2021. She said that the lending shouldn’t have been provided as she had m... (3 pages)View decision -
Decision Reference DRN9570815
30 Apr 2015 Capquest Debt Recovery Limited Not upheldBanking and creditMs F complains that Capquest Debt Recovery Limited (Capquest) has recorded incorrect information on her credit file.backgroundMs F had a mail order debt with a third party that was sold to Capquest. Ms F has explained that the debt is unenforceable and so Capquest sh... (2 pages)View decision -
Decision Reference DRN5969740
29 Nov 2018 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mrs F’s complaint is that The Royal Bank of Scotland Plc (RBS) has used the compensation it said was due for undisclosed commission on a payment protection insurance (PPI) policy to reduce the debt it says Mrs F owes on a credit card.backgroundIn 2006 Mrs F entered into ... (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
