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 71745 results
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Decision Reference DRN-3780710
9 Nov 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3780710 The complaint Mr B complains that Vanquis Bank Limited irresponsibly granted him credit he couldn’t afford to repay. What happened Vanquis opened a credit card account for Mr B in January 2013. This type of credit was an open-ended or running account facility and the credit lim... (3 pages)View decision -
Decision Reference DRN-5388368
13 Mar 2025 ACI-UK LIMITED Not upheldConsumer CreditDRN-5388368 The complaint Mr A complains that ACI-UK LIMITED (ACI) are chasing him for a debt they’ve been unable to evidence legal ownership of. He also complains that ACI registered a default on his credit file in 2022, for a debt that allegedly defaulted in 2018. What happened I issu... (5 pages)View decision -
Decision Reference DRN1239811
25 Oct 2013 Cabot Financial (Europe) Limited Not upheldBanking and creditMr F is dissatisfied with Cabot Financial (Europe) Limited’s (“Cabot Financial”) responses to his requests for information about the debts it pursued him for. He considers that he has been unable to establish if he is responsible for the debts because Cabot Financial has not provided... (2 pages)View decision -
Decision Reference DRN-3746315
28 Oct 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3746315 The complaint Mrs S complains that she is being chased by debt collectors for an outstanding debt Lloyds Bank PLC (“Lloyds”) wrongly sold to it. Mrs S is also unhappy about the service she received by Lloyds when trying to resolve her complaint. What happened Mrs S held a bank ... (3 pages)View decision -
Decision Reference DRN1588403
5 Sep 2014 National Westminster Bank Plc Not upheldBanking and creditMr T complains that National Westminster Bank Plc has passed his account to a debt collection agent and is not pursuing a joint account holder for the debt.backgroundMr T took a loan in 2004 and a default was recorded in 2005. He agreed a repayment plan with NatWest for a 12 month per... (2 pages)View decision -
Decision Reference DRN1922109
15 Aug 2013 BCB Solutions Limited UpheldBanking and creditMr L complains that BCB Solutions Limited (trading as MyClaimsExpert) failed to administer a debt management plan adequately, causing him severe distress.backgroundMr L set up a debt management plan with MyClaimsExpert in July 2011. This was to repay two debts with the same creditor, pr... (2 pages)View decision -
Decision Reference DRN9118493
24 Nov 2015 Wescot Credit Services Limited Not upheldBanking and creditMr G complains that Wescot Credit Services Limited (“WCSL”) has unfairly harassed him in pursuing him for a debt which had been settled, and that it hasn’t handled his data correctly.backgroundMr G had a debt with a lender (“L”). Mr G said that he had sent L a cheq... (3 pages)View decision -
Decision Reference DRN2483530
6 Oct 2017 Barclays Bank Plc Not upheldBanking and creditMr E complains about the conduct of Barclays Bank Plc in relation to a debt it acquired and then sold. He says he did not know that he ever owed anything to the bank.backgroundBarclays bought Mr E’s credit card debt from another company in 2008. Mr E raises compl... (2 pages)View decision -
Decision Reference DRN0112128
2 May 2019 Barclays Bank UK PLC Not upheldBanking and creditMr M complains that Barclays Bank UK PLC, trading as Barclaycard (“Barclays”) won’t allow him to settle his credit card debt. He also complains that Barclays failed to respond to a subject access request. backgroundMr M had a Barclaycard credit card account with an o... (3 pages)View decision -
Decision Reference DRN-4239869
17 Jul 2023 Experian Limited Not upheldConsumer CreditDRN-4239869 The complaint Mrs C complains that Experian Limited has is reporting the same defaults twice on her credit report. What happened A business I will refer to as P, bought two accounts in Mrs C’s name that were in default but have since been settled in full. The accounts were orig... (2 pages)View decision
