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 DRN5389552
13 Jun 2017 Motormile Finance UK Limited Not upheldBanking and creditMr L complains that Motormile Finance UK Limited is chasing him for repayment of a debt which he says he disputed. He says Motormile recorded a default on his credit file and delayed replying to his complaint. He wants the default removed and the debt written off.ba... (2 pages)View decision -
Decision Reference DRN1529835
27 Jun 2018 Arrow Global Limited Not upheldBanking and creditMr H complains that Arrow Global Limited (“AGL”) is requiring him to pay a debt it hasn’t proved he owes.backgroundMr H says he had a professional studies loan and overdraft with a high street bank in 2002 and due to his family circumstances at the time he was una... (2 pages)View decision -
Decision Reference DRN-3466692
4 Aug 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3466692 The complaint Mr I complains that Barclays Bank UK PLC trading as Barclaycard (Barclaycard) lent to him irresponsibly. What happened Mr I was given a credit card by Barclaycard in November 2017. The limit was £3,800 and this wasn’t increased. Towards the end of 2020, minimum p... (4 pages)View decision -
Decision Reference DRN0459112
31 Jul 2017 Cabot Financial (Europe) Limited Not upheldBanking and creditMr and Mrs R complain that Cabot Financial (Europe) Limited is chasing them for repayment of a debt which has already been settled.backgroundMr and Mrs R agreed a loan in 2007 secured on their home. The account defaulted in 2010 and Mr and Mrs R made reduced monthly... (2 pages)View decision -
Decision Reference DRN-2253094
17 Feb 2021 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2253094 The complaint Mr G complains that Cabot Credit Management Group Limited (Cabot) treated him unfairly by sending a recovery agent to his home to re-connect with him when pursuing him for a debt. What happened Mr G had a loan with a bank, who for the purposes of this decision I... (3 pages)View decision -
Decision Reference DRN1487274
31 Jul 2013 Mackenzie Hall Limited Not upheldBanking and creditMr D complains that Mackenzie Hall Limited (“Mackenzie Hall”) has wrongly pursued him for a debt which he says he does not owe. He says he has been the victim of stolen identity and would like the business to stop contacting him about the debt. Mackenzie Hall had the debt referred to it... (1 page)View decision -
Decision Reference DRN5858418
31 Jul 2013 Ruthbridge Limited Not upheldBanking and creditMr D complains that Ruthbridge Limited (Ruthbridge) has wrongly pursued him for a debt which he says he does not owe. He says he has been the victim of stolen identity and would like Ruthbridge to stop contacting him about the debt. Ruthbridge had taken over the debt from a third party... (1 page)View decision -
Decision Reference DRN8534547
5 Sep 2013 Bank of Scotland Plc Not upheldBanking and creditMr L complains that Bank of Scotland Plc (trading as Halifax) is pursuing him for a debt that he knows nothing about, and which it cannot prove he owes.backgroundThe debt that Halifax is asking Mr L to repay is on a current account in his name. It says that the debt was first created w... (2 pages)View decision -
Decision Reference DRN2102426
3 Oct 2014 Black Horse Limited Not upheldPayment protection insurance (PPI)Mr W and Miss H’s complaint concerns two loans, one secured one unsecured taken with Black Horse Limited. They consider that the amount they repaid to a secured loan when settling it early was too high – and that Black Horse failed to properly explain the early settlement provisions or... (3 pages)View decision -
Decision Reference DRN3501554
7 Dec 2018 Capital One (Europe) plc Not upheldBanking and creditMs C complains that Capital One (Europe) plc didn’t make her aware that a debt on her credit card account hadn’t been written off when the account was settled in 2003. backgroundMs C said the debt is over 20 years old and she is unhappy Capital One has brought thi... (2 pages)View decision
