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 70772 results
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Decision Reference DRN-2194412
12 Oct 2020 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-2194412 The complaint Ms B complains about the way in which Capquest Debt Recovery Limited (which I’ll call CDR) has chased her for payment of a debt bought from Halifax. What happened In or about June 2013 Halifax, part of Lloyds Banking Group, sold to Capquest Investments Limited (CI... (2 pages)View decision -
Decision Reference DRN4001310
1 Feb 2018 Lloyds Bank PLC Not upheldBanking and creditMr W complains about the way Lloyds Bank PLC (Lloyds) has dealt with his current account. backgroundMr W complains about three key areas. These are set out below. To put things right, Mr W wants an apology and compensation from Lloyds.current account debt Mr W says Lloyds told him in 2014 ... (3 pages)View decision -
Decision Reference DRN6382861
24 Jun 2015 Provident Personal Credit Limited Not upheldBanking and creditMr M complains that Provident Personal Credit Limited has told him the wrong outstanding balance on his account. backgroundMr M asked a charity to help him with his debts and he set up a debt management plan. He says that Provident told the charity that the total ... (1 page)View decision -
Decision Reference DRN1482433
8 Nov 2013 Barclays Bank Plc Not upheldBanking and creditMr H complains that, after he received a final decision in his favour about Barclays Bank PLC pursuing him for a debt he did not owe, he continued to receive letters in relation to the debt. our initial conclusionsThe adjudicator said that whilst she appreciated that this matter... (2 pages)View decision -
Decision Reference DRN4722242
28 Oct 2019 Capital One (Europe) plc Not upheldBanking and creditMr H complains that Capital One (Europe) plc shouldn’t have given him a credit card. He says his credit history should have made Capital One aware that the lending was unaffordable for him.backgroundMr H applied for a credit card with Capital One in February 2016. Capital One issued him a ... (2 pages)View decision -
Decision Reference DRN-4679350
2 Apr 2024 United Kash Limited Not upheldConsumer CreditDRN-4679350 The complaint Mr G complains that United Kash Limited (“UKL”) declined his offer of payment and attempted to pressure him into an unaffordable payment plan. He’s also unhappy because his credit score has been affected. What happened Mr G took out a loan with a third party compa... (3 pages)View decision -
Decision Reference DRN-4900602
12 Sep 2024 Bank of Scotland Plc Not upheldConsumer CreditDRN-4900602 The complaint Mr O complains that Bank of Scotland plc didn’t report correctly on his credit file when he entered into a Debt Arrangement Scheme (DAS). What happened Mr O holds an account with Bank of Scotland. In 2020 Mr O entered into a DAS and began making monthly payment... (2 pages)View decision -
Decision Reference DRN1403077
15 Dec 2017 National Westminster Bank Plc UpheldBanking and creditMr N complains that National Westminster Bank Plc (‘NatWest’) has reported incorrect information to credit reference agencies.background Mr N had been paying back a loan to NatWest since 2011. In December 2016 he realised his credit file had incorrect information about... (2 pages)View decision -
Decision Reference DRN5528012
20 Jun 2014 CitiFinancial Europe Plc Not upheldBanking and creditMr and Mrs D complain that CitiFinancial Europe plc (“Citi”) did not tell them the total amount payable under their loan. They also complain that they were not responsibly advised.backgroundMr and Mrs D took secured loans from Citi to consolidate existing unsecured debt. They are unh... (1 page)View decision -
Decision Reference DRN-2567142
10 Mar 2021 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-2567142 The complaint Mr M is unhappy as he feels Lowell Portfolio I Ltd (“Lowell”) has harassed him when contacting him about an outstanding debt. What happened Lowell purchased a debt from another business in 2016 which it understood Mr M was responsible for repaying. In November 201... (3 pages)View decision
