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 71923 results
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Decision Reference DRN1700271
10 Apr 2013 Aktiv Kapital (UK) Limited UpheldBanking and creditMr E complains that that he has been pursued for a debt by Aktiv Kapital (UK) Limited that he does not owe. backgroundMr E received a letter which said that he owed a debt. Mr E disputed the debt and Aktiv Kapital agreed to cease all recovery action but Mr E did not receive any commu... (1 page)View decision -
Decision Reference DRN7968623
7 Jun 2017 Cabot Credit Management Group Limited Not upheldBanking and creditMr B complains that Cabot Credit Management Group Limited (“Cabot”) did not treat him fairly, in that it wrongly obtained a court judgement against him and has since refused to discuss a settlement which responds positively and sympathetically to his financial hardsh... (3 pages)View decision -
Decision Reference DRN1504278
2 Oct 2014 National Westminster Bank Plc UpheldPayment protection insurance (PPI)Miss D complained to this service as she was unhappy with the way National Westminster Bank Plc (NatWest) repaid compensation for two mis-sold payment protection insurance (PPI) policies. NatWest used part of the compensation to set against a debt on a closed current account Miss D had wi... (4 pages)View decision -
Decision Reference DRN-4799917
11 Apr 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4799917 The complaint Mrs P complains Barclays Bank UK PLC didn’t do enough to protect her when there were large numbers of unusual transactions on joint accounts in her and her now ex-husband’s names. And that Barclays Bank UK PLC allowed her now ex-husband to build up large amount... (4 pages)View decision -
Decision Reference DRN7148601
6 Nov 2013 National Westminster Bank Plc Not upheldBanking and creditMr S complains that National Westminster Bank Plc (“NatWest”) is holding him liable for an overdraft on the business account of his former limited company. background Mr S asked the bank to cancel the personal guarantee he had previously signed against a business current account. The ba... (2 pages)View decision -
Decision Reference DRN4524346
22 Aug 2018 Tesco Personal Finance PLC Not upheldBanking and creditMr P complains about the way Tesco Personal Finance Plc has applied charges to his credit card account after he thought it was closed and how it has treated him since the account was reopened.backgroundIn July 2018 I issued a provisional decision saying that I didn’t ... (3 pages)View decision -
Decision Reference DRN5193181
20 Dec 2016 Debt Advisory Line Limited Not upheldBanking and creditMr and Mrs L complain that Debt Advisory Line Limited (DAL) sold them a debt management plan which was not suitable for them. They also complain that they were not told they could receive free debt advice elsewhere.Mr and Mrs L bring their complaint through their repre... (2 pages)View decision -
Decision Reference DRN-2329175
9 Nov 2020 MYJAR Limited UpheldConsumer CreditDRN-2329175 The complaint Mr U complains that MYJAR Limited gave him a loan that he couldn’t afford. What happened Mr U took out one instalment loan with MYJAR for £550 on 8 July 2018. The loan was repayable by six monthly repayments. The repayment for the first month was £128.69 and the f... (5 pages)View decision -
Decision Reference DRN0661469
4 Oct 2017 Kapama Limited Not upheldBanking and creditMiss C’s unhappy that Kapama Limited is chasing her for a debt it says is outstanding. backgroundMiss C took out a loan and a few days before it was to be repaid she entered into a debt management plan. Since then the debt has been sold to Kapama and its chasing... (2 pages)View decision -
Decision Reference DRN-2816488
7 Jun 2021 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-2816488 The complaint Mr D complains that Lantern Debt Recovery Services Ltd (Lantern) gave him misleading information while discussing settlements for a debt it owns. What happened In August 2019 Lantern bought a debt in Mr D’s name from the original lender. In January 2021 Mr D conta... (2 pages)View decision
