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 77095 results
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Decision Reference DRN4226139
29 Sep 2020 Legal & General Partnership Services Limited Not upheldBanking and creditMr W and Ms T complain about mortgage advice given by an appointed representative of Legal & General Partnership Services Limited.backgroundIn 2005, Mr W and Ms T took advice from L&G about re-mortgaging. Acting on L&G’s recommendation, they moved to a new lender, fixing their ... (2 pages)View decision -
Decision Reference DRN-5489146
26 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5489146 The complaint Mr B complains that Vanquis Bank Limited lent to him irresponsibly. Mr B is also unhappy that Vanquis recorded the debt as “partially settled” after it was written off. What happened In June 2023, Mr B was provided with a credit card by Vanquis with a limit of... (3 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 DRN-2846265
20 Jul 2021 TFS Loans Limited UpheldConsumer CreditDRN-2846265 The complaint Mr L has complained that TFS Loans Limited (“TFS”) acted irresponsibly by accepting his loan application because he couldn’t afford the repayments. What happened Mr L approached TFS for a loan through an intermediary. He gave the purpose of the loan as debt conso... (8 pages)View decision -
Decision Reference DRN0080969
10 Dec 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr R complains that The Royal Bank of Scotland plc (RBS) recorded a default on his current account without telling him.backgroundMr R said he applied for a mortgage but realised RBS had recorded a default on his credit file in December 2014. He said his RBS account ... (2 pages)View decision -
Decision Reference DRN-2452778
17 Feb 2021 Shoosmiths LLP UpheldConsumer CreditDRN-2452778 The complaint Mrs S complains that Shoosmiths LLP unfairly issued court proceedings in order to recover a debt she owed. She wants the proceedings to be withdrawn and any additional costs waived. What happened Mrs S tells us that she owes a debt to a business I’ll refer to as ”... (3 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 DRN5593292
9 Mar 2015 Arrow Global Limited UpheldBanking and creditMiss L has complained that Arrow Global Limited will not write off a debt she owes it.backgroundfactsMiss L has a debt for £1,178 with Arrow Global. She has explained that she is unable to repay this and is suffering from terminal illness and a number of other serious health proble... (3 pages)View decision -
Decision Reference DRN9667026
16 Aug 2017 NewDay Ltd Not upheldBanking and creditMr M complains about NewDay Ltd (“the business”) registering a default against his credit file, and selling his outstanding debt to a third party. backgroundMr M previously had a credit card, which was operated by the business. In summer 2014 Mr M reached his credit li... (3 pages)View decision