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 74313 results
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Decision Reference DRN0611966
5 Feb 2015 Capquest Debt Recovery Limited UpheldBanking and creditMrs T complains that Capquest Debt Recovery Limited chased her for a debt which isn’t hers. She wants compensation. backgroundMrs T says an account was fraudulently opened in her name with a third party. This debt was later sold on to Capquest. In 2012 Mrs T told Capquest that she had n... (2 pages)View decision -
Decision Reference DRN-1110164
22 Apr 2020 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-1110164The complaintMrs W complains Barclays Bank UK PLC failed to remove her from a joint bank account she held with her husband. This led to her being pursued for an outstanding debt and a default notice was placed on her credit file. What happenedMrs W held a joint bank account with... (3 pages)View decision -
Decision Reference DRN-5134439
20 Dec 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5134439 The complaint Mrs S complains that Barclays Bank UK PLC trading as Barclaycard (“Barclaycard”) suspended her credit card despite her making payments. She also complains that Barclaycard failed to treat her appropriately as a vulnerable customer. What happened Mrs S has a cre... (3 pages)View decision -
Decision Reference DRN3411538
2 Dec 2015 The Co-operative Bank Plc UpheldPayment protection insurance (PPI)Miss C’s complaint is about the mis-sale of two payment protection insurance (PPI) policies and the way The Co-operative Bank Plc has offered to put that right.backgroundThis complaint is about two PPI policies which Miss C bought in 2005 at the same time as taking o... (2 pages)View decision -
Decision Reference DRN2080715
28 Feb 2018 Mortgage Express Not upheldBanking and creditMr M and Ms S complained about Mortgage Express. They raised several issues including:-They were unhappy with what had happened when their property was possessed in 2008;- Mr M complained that Mortgage Express was only pursuing him for the shortfall balance outstanding, ... (2 pages)View decision -
Decision Reference DRN-1962469
7 Jul 2020 American Express Service Europe Limited (AESEL) UpheldBanking and PaymentsThe complaint Mrs S complains that American Express Services Europe Limited (AESEL) (“AmEx”) told her she was in credit, and gave her a large refund. Mrs S relied on what AmEx said, and spent the money. But then it said she wasn’t in credit, and added the money to her debt. What happened M... (4 pages)View decision -
Decision Reference DRN-3125026
2 Nov 2021 Bamboo Limited UpheldConsumer CreditDRN-3125026 The complaint Miss A says Bamboo Limited (trading as Bamboo Loans) lent to her irresponsibly. What happened Miss A took out a loan over 60 months from Bamboo on 27 August 2019. It was for £5000 and the monthly repayments were £197.09. The total repayable was £11,825.37. I under... (4 pages)View decision -
Decision Reference DRN-3091688
12 Nov 2021 BW Legal Services Limited Not upheldConsumer CreditDRN-3091688 The complaint Mr S complains that BW Legal Services Limited is pursuing him for a debt without providing evidence it has authority to do so. What happened Mr S had a credit card with another business (C). Mr S has explained that after a period of working abroad he experienced i... (2 pages)View decision -
Decision Reference DRN7734708
31 Mar 2016 Black Horse Limited Not upheldBanking and creditMs J complains that Black Horse Limited, (“BHL”), had provided her debt management company with incorrect information which ultimately resulted in a default being incorrectly applied to her credit file. backgroundMs J had taken a fixed sum loan with BHL in December ... (3 pages)View decision -
Decision Reference DRN-1819545
13 Jul 2020 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-1819545 The complaintMr S is unhappy about Cabot Credit Management Group Ltd (Cabot) pursuing him for a debt previously held with a bank, that he disputes is his. He is also unhappy about the delay Cabot took in responding to his request under the Consumer Credit Act. What happenedIn ... (3 pages)View decision
