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 71523 results
-
Decision Reference DRN1516068
8 Jan 2019 Marks & Spencer Financial Services plc UpheldBanking and creditMrs B complains that Marks & Spencer Financial Services Plc (“M&S”) sold her debt to a third party without telling her.backgroundMrs B said that she got her credit report, and discovered a new account on there, which she didn’t recognise. She said that when s... (4 pages)View decision -
Decision Reference DRN8884357
7 Dec 2017 PRA Group (UK) Limited Not upheldBanking and creditMrs D has complained because PRA Group (UK) Limited has continued to hold a debt against her which she doesn’t believe she is liable for.backgroundIn 2006 PRA bought a credit card debt from a bank. It then got in contact with Mrs D to arrange repayment of the debt. M... (2 pages)View decision -
Decision Reference DRN-5375361
28 Mar 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5375361 The complaint Miss R complains Cabot Credit Management Group Limited trading as Cabot Financial (Europe) Limited (Cabot), are unfairly asking her to repay a debt she says is included within an Individual Voluntary Arrangement (IVA). What happened In April 2024 Cabot acquire... (3 pages)View decision -
Decision Reference DRN-4617998
13 Feb 2024 National Westminster Bank Plc UpheldConsumer CreditDRN-4617998 The complaint Miss T is unhappy that National Westminster Bank Plc (“NatWest”) consider her to have an outstanding balance which she feels she’s repaid and didn’t provide accurate statements to her about her outstanding balance. What happened Miss T had several accounts with Na... (4 pages)View decision -
Decision Reference DRN8492610
11 Jan 2018 Nationwide Building Society Not upheldBanking and creditMrs H complains that Nationwide Building Society didn’t include her personal loan in a debt management plan. She also disputes the amount of her credit card debt that was included in the plan.backgroundMrs H went into a debt management plan with the help of a third... (2 pages)View decision -
Decision Reference DRN-2436185
18 Jan 2021 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-2436185 The complaint Mrs R is complaining about the administration of her credit card account by Capital One (Europe) plc. What happened Mrs R moved overseas in 2010. She was struggling to pay off her credit card debts so in May 2011 she contacted a UK debt charity who set up a debt m... (3 pages)View decision -
Decision Reference DRN-3040348
9 Sep 2021 Gregory Pennington Limited UpheldConsumer CreditDRN-3040348 The complaint Mrs W has complained that Gregory Pennington Limited failed to include one of her debts in a settlement offer after she gave them the required lump sum. What happened Mrs W was in a debt management plan with Gregory Pennington. In January 2020, Mrs W arranged for ... (4 pages)View decision -
Decision Reference DRN3454491
10 Sep 2019 Paragon Finance Plc Not upheldBanking and creditMs M has complained as she thinks Paragon Finance Plc, trading as Idem Servicing, is chasing her for a debt that is unenforceable.backgroundMs M made a request to Idem Servicing under section 77/78 of the Consumer Credit Act 1974 (CCA) for information about the debt. Idem Servicing has acc... (3 pages)View decision -
Decision Reference DRN2615052
7 Apr 2021 Bank of Scotland Plc Not upheldBanking and creditMr B complains about the way Bank of Scotland plc (trading as Halifax) pursued him for the shortfall debt after his property was sold. He asks that Halifax deals with him directly instead of through debt collection agencies and puts in place a payment plan with proper accounting. Mr B is r... (2 pages)View decision -
Decision Reference DRN1562052
16 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMr and Mrs M complain about a debt reduction agreement that they took out with NEO Media Solutions Limited, trading as One Debt Solution. They complain that it did not pay money to their creditors as it had agreed to do.backgroundMr and Mrs M entered into a debt reduction agreement with... (2 pages)View decision
