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 DRN2430648
6 Sep 2016 DFH Limited Not upheldBanking and creditMr C, represented by a claims management company (CMC), complains that the debt management plan (DMP) he entered into with DFH Limited (the business) was mis-sold. backgroundThe CMC says that when Mr C approached the business in March 2013 he had debts totalling over £1... (3 pages)View decision -
Decision Reference DRN-2705576
2 Jun 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2705576 The complaint Mr R complains that Barclays Bank UK PLC, trading as Barclaycard, sold his debt to a debt collection agency. He says phone calls from the debt collection agency have affected his mental health. He wants Barclaycard to take back possession of the debt or write it o... (2 pages)View decision -
Decision Reference DRN0844953
23 Sep 2013 Northern Debt Recovery Limited UpheldBanking and creditMr C complains that Northern Debt Recovery Limited (“NDR”) harassed him with demands for payment, after he told it he was in financial difficulties. He also complains that the interest and charges added to the debt were excessive and put him under more pressure.backgroundMr C took out a ... (2 pages)View decision -
Decision Reference DRN-2921139
19 Apr 2022 National Westminster Bank Plc Not upheldInsuranceDRN-2921139 The complaint Mr B has complained about how National Westminster Bank Plc (‘NWB’) used the redress from the mis-sale of a payment protection insurance (‘PPI’) policy he took with his credit card (account number ending 5181). What happened Mr B had three separate accounts with N... (3 pages)View decision -
Decision Reference DRN-3683006
3 Sep 2022 Evolution Lending Limited Not upheldMortgagesDRN-3683006 The complaint Ms D has a secured loan with Evolution Lending Limited and she has complained about how it treated her when she had financial difficulties. What happened Ms D took out this loan in June 2018. She borrowed £20,000 over a 15-year term at an interest rate of 19.56% (... (5 pages)View decision -
Decision Reference DRN-5424081
25 Mar 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5424081 The complaint Mr Q complains that Cabot Credit Management Group Limited, trading as Cabot Financial (Europe) Limited are pursuing him for several debts which he says they haven’t evidenced they own. What happened A debt purchaser (DP) say they acquired three separate debts,... (7 pages)View decision -
Decision Reference DRN1887073
28 Sep 2016 123 Debt Solutions Ltd Not upheldBanking and creditMr C and Miss B complain that 123 Debt Solutions Ltd mis-sold them a debt management plan. The complaint is brought on their behalf by a claims management company.backgroundFollowing a discussion about their financial situation in June 2012, 123 Debt Solutions reco... (2 pages)View decision -
Decision Reference DRN8604604
12 May 2017 Moorcroft Debt Recovery Limited Not upheldBanking and creditMrs M complains that Moorcroft Debt Recovery Limited is chasing her for repayment of a debt which she doesn’t owe.backgroundMoorcroft is acting on behalf of a third party who says Mrs M owes it around £700. Mrs M initially set up a payment plan to repay the debt, b... (1 page)View decision -
Decision Reference DRN-2670980
6 Apr 2021 Lowell Financial Ltd Not upheldConsumer CreditDRN-2670980 The complaint Mr B has complained that Lowell Financial Ltd are chasing him for a debt he says he doesn’t owe to them. What happened In 2020, Mr B’s credit card account was sold from the original creditor to Lowell. Lowell wrote to Mr B to let him know that they’d bought the de... (2 pages)View decision -
Decision Reference DRN0434939
30 Jul 2014 MBNA Limited UpheldBanking and creditMr D complains that MBNA Limited coerced him into making additional repayments although he was on a debt management plan and then unfairly defaulted his credit card account. He wants the default removed from his credit records and compensation for his distress. background Mr D unfortu... (2 pages)View decision
