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 71923 results
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Decision Reference DRN2777880
13 May 2020 Link Financial Outsourcing Limited Not upheldBanking and creditMrs T has complained via a third party that Link Financial Outsourcing Limited has unfairly pursued her for a debt it was servicing for another company. background Mrs T took out a credit card with a bank and arrears accrued on the account of just under £3,000. Mrs T agreed to pay the debt... (3 pages)View decision -
Decision Reference DRN-3551296
27 Jul 2022 ACI-UK LIMITED Not upheldConsumer CreditDRN-3551296 The complaint Mr L has complained about ACI-UK LIMITED, saying that they tried to take payments after a debt was recalled. What happened Both sides are most familiar with the case, so I’ll summarise things in brief. In February 2022, Mr L’s loan account was sold on in error. Th... (2 pages)View decision -
Decision Reference DRN9872271
27 May 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs W complain about errors and poor service from The Royal Bank of Scotland Plc (RBS) in relation to its handling of their accounts. background I will briefly summarise the background to this complaint. Mr W ran a business which unfortunately ran into financial difficulty in abou... (2 pages)View decision -
Decision Reference DRN8087706
8 Dec 2015 Canada Square Operations Limited UpheldBanking and creditMr R complains about the customer service he has received from Canada Square Operations Limited in relation to a debt.backgroundMr R used to have a credit card and a loan with a bank. He says he was told he needed to pay £6,000 to settle both accounts in 2007. So he... (2 pages)View decision -
Decision Reference DRN0586134
25 Mar 2020 Cabot Credit Management Group Limited Not upheldBanking and creditMr W complains that Cabot Credit Management Group Limited is asking him to pay a debt that he disputes and which he says is unenforceable. He’s being helped with his complaint by a representative.backgroundCabot says that Mr W had a credit card debt of £1,084.58 that was assigned to it in ... (2 pages)View decision -
Decision Reference DRN8372337
3 Jul 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr L complains that Express Finance (Bromley) Limited (trading as Payday Express) gave him loans he couldn’t afford to repay. He also complains about how it treated him when he had difficulty repaying his debts and entered into a debt management plan (DMP). Mr L a... (2 pages)View decision -
Decision Reference DRN7501017
22 Sep 2017 Baines & Ernst Limited UpheldBanking and creditMrs M has complained Baines & Ernst Limited mis-sold her a debt management plan in 2011. She’d been told her plan would last for 5 to 7 years but now realises at her current rate of repayment she won’t be free of her debts for another 50 years.backgroundMrs ... (5 pages)View decision -
Decision Reference DRN-2194145
2 Oct 2020 S.D. Taylor Limited Not upheldConsumer CreditDRN-2194145 The complaint Mrs B is complaining that she was told by SD Taylor Limited, trading as Loans at Home (“Loans at Home”), that she had to pay off a debt for a relative who used to live at her address. What happened Mrs B had been borrowing from Loans at Home since April 2019. Mrs ... (2 pages)View decision -
Decision Reference DRN5396397
14 Jul 2015 Barclays Bank Plc Not upheldBanking and creditMr R complains that Barclays Bank PLC, trading as Barclaycard, is requiring him to repay a debt which it had previously told him had been written off. He wants the bank to accept that he is not liable for the debt, and substantial compensation for the trouble an... (2 pages)View decision -
Decision Reference DRN4700776
11 Mar 2014 Northants Mortgages UpheldBanking and creditMr and Miss L complain, via their representatives, that Northants Mortgages, a broker, provided them with unsuitable mortgage advice. In particular they said Northants Mortgages recommended: they consolidate their debt without explaining the consequences; they switch to an interest-on... (3 pages)View decision
