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 76853 results
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Decision Reference DRN-5078701
22 Oct 2024 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-5078701 The complaint Mr C complains that Capquest Debt Recovery Limited passed his data to a third-party debt collector unlawfully, without his consent. Mr C wants Capquest to apologise and pay compensation. What happened In April 2024, Mr C received an email from a business I will... (3 pages)View decision -
Decision Reference DRN-4516190
12 Jan 2024 Arrow Global Limited UpheldConsumer CreditDRN-4516190 The complaint Mr C complains about Arrow Global Limited’s actions when attempting to collect a debt that was fraudulently opened in his name. What happened Mr C has explained that after he moved out of an address a scammer opened various credit commitments in his name, one of w... (2 pages)View decision -
Decision Reference DRN-1686042
11 Sep 2020 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-1686042The complaintMr L complains about the way Cabot Financial (Europe) Limited (Cabot) has handled a debt it acquired in his name. What happenedMr L had a credit card with another business that was acquired by Cabot on 3 July 2017. The original lender terminated the credit agreement... (3 pages)View decision -
Decision Reference DRN-3929484
2 Feb 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3929484 The complaint Mrs C complains that NewDay Ltd trading as Aqua (“NewDay”) was irresponsible when it opened a credit card facility for her. What happened NewDay opened a credit card account for Mrs C in January 2020 in with a credit limit of £900. This type of credit was an open-... (3 pages)View decision -
Decision Reference DRN8845735
21 Mar 2018 NRAM Limited Not upheldBanking and creditMr and Mrs S complain about the time taken by NRAM Limited to decide whether to write off the balance of their mortgage loan and its poor service. They’d like the debt written off.background Mr and Mrs S’s mortgage with NRAM has been in arrears for some time due t... (3 pages)View decision -
Decision Reference DRN1237549
20 Sep 2017 Lending Stream Llc UpheldBanking and creditMr H complains that Lending Stream LLC, (“LSL”), is unfairly pursuing him for a debt he has already paid it. backgroundMr H had three outstanding loans with LSL between August 2013 and May 2015. When he suffered financial difficulties, he made sporadic repayments to L... (2 pages)View decision -
Decision Reference DRN4901120
26 Nov 2019 Arrow Global Limited Not upheldBanking and creditMiss H complains that Arrow Global Limited (Arrow) should’ve registered a default on her credit file in March 2012 rather than September 2013 as they’ve now decided. She would like them to backdate the default to March 2012, remove it from the credit file and mark the debt as settled. back... (3 pages)View decision -
Decision Reference DRN-2643012
26 Mar 2021 Secure Trust Bank Plc Not upheldConsumer CreditDRN-2643012 The complaint Mr C complains about the outstanding debt on his account with Secure Trust Bank plc, trading as Moneyway, relating to a car that was supplied to him under a hire purchase agreement. Mr C’s mother is helping him with his complaint. What happened A used car was supp... (3 pages)View decision -
Decision Reference DRN-3982685
18 Jul 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3982685 The complaint Mr P complains that Barclays Bank UK PLC (trading as Barclaycard) sold his credit card debt to a third-party firm without taking his personal circumstances into consideration. Mr P would like Barclaycard to write his debt off. What happened Mr P opened the credit ... (2 pages)View decision -
Decision Reference DRN8358407
23 Aug 2016 Blue Finance Management Limited UpheldBanking and creditMr K complains that Blue Finance Management Limited trading as Debtplan Direct signed him up to a debt reduction plan without telling him the costs or what his other options were. He says he ended up taking longer to pay off his debts and wants the fees he’s paid... (2 pages)View decision