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
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Decision Reference DRN-3652910
7 Dec 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3652910 The complaint Mr R’s complaint is about National Westminster Bank Plc. The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll focus on giving my reasons for my decision. What I’ve decided – and why I’ve considered all the a... (2 pages)View decision -
Decision Reference DRN4672381
8 Aug 2016 Wescot Credit Services Limited UpheldBanking and creditMr and Mrs B complain that Wescot Credit Services Limited pursued an old debt they no longer owed.background I trust that Mr and Mrs B will understand that the following is a brief summary of the background to their complaint and does not go into detail, but they can... (2 pages)View decision -
Decision Reference DRN-4378880
9 Nov 2023 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4378880 The complaint Mr G complains that Capital One (Europe) plc should have declared his account in default when he started a debt management plan, and sought a £35 monthly payment, which wasn’t agreed with his debt plan. What happened The debt management plan Mr G agreed has run f... (4 pages)View decision -
Decision Reference DRN3325948
26 Feb 2020 Hoist Finance UK Limited UpheldBanking and creditMrs D complains that Hoist Finance UK Limited (Hoist) are unfairly pursuing her for a debtwhich is not hers.backgroundFor ease, in my decision I will refer to Hoist when talking about their agents or representatives.In late 2018 Mrs D received a letter from Hoist asking for payment for a d... (3 pages)View decision -
Decision Reference DRN-2794973
7 Jun 2021 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-2794973 The complaint Mr O complains that he isn’t responsible for his debt with Clydesdale Bank Plc trading as Virgin Money (Virgin). What happened Mr O opened a credit card account with Virgin in September 2016 with a limit of £6000. He transferred a debt to it on an interest free of... (3 pages)View decision -
Decision Reference DRN-2203345
7 Oct 2020 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2203345 The complaint Miss M has complained that Cabot Credit Management Group Limited are chasing her for a debt she says she doesn’t owe. What happened In February 2019, Cabot bought this debt from the original owner. They sent a notice of assignment to Miss M. Miss M replied with a ... (2 pages)View decision -
Decision Reference DRN-2685901
16 Apr 2021 Cabot Credit Management Group Limited UpheldConsumer CreditDRN-2685901 The complaint Mr L complains that Cabot Credit Management Group Limited is unfairly refusing to write off an outstanding debt What happened In 2013, Cabot bought Mr L’s debt from a business that I will call “E”. Mr L has been making regular repayments to Cabot through a debt ma... (3 pages)View decision -
Decision Reference DRN9046825
12 Jul 2013 Lloyds TSB Bank Plc UpheldBanking and creditMr B complains that Lloyds TSB Bank plc wrote to him directly about a debt which was included in a debt relief order and that it sold the debt to a firm of debt collectors. Mr B is assisted in bringing his complaint by his relative, Miss B. backgroundA debt relief order was made in relat... (2 pages)View decision -
Decision Reference DRN0363559
15 Nov 2016 Debt Advisory Line Limited Not upheldBanking and creditMr and Mrs P complain that a debt management plan was mis-sold to them by Debt Advisory Line Limited. They are being helped with their complaint by a representative. backgroundMr and Mrs P entered into a debt management plan with Debt Advisory Line in August 2010.... (2 pages)View decision -
Decision Reference DRN7083903
16 Jan 2019 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mrs Y complains about how The Royal Bank of Scotland Plc (‘RBS’) used the compensation to settle her complaint about mis-sold payment protection insurance (PPI) to off-set against debt on her account.backgroundMrs Y took out a loan (ended 7120) in August 1992. The loan ... (2 pages)View decision
