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 74386 results
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Decision Reference DRN5189620
17 Sep 2015 Clear View Finance Limited UpheldBanking and creditMr O has complained Clear View Finance Limited didn’t make all the monthly payments to his creditors.backgroundMr O took out a debt management plan with Clear View in 2012. He mostly paid them £325 a month and was charged £25 monthly fees. Clear View visited him at ho... (2 pages)View decision -
Decision Reference DRN7870271
10 May 2018 Santander UK Plc UpheldBanking and creditMr C complains that Santander UK Plc didn’t default his credit card account promptly.backgroundMr C told us that he wrote to all the firms he owed money to in December 2011, including Santander. In early 2012 he entered into a debt management plan. He said he had th... (2 pages)View decision -
Decision Reference DRN7949260
5 Oct 2017 Barclays Bank Plc Not upheldBanking and creditMr B complains about the rate he has paid on loans he took with Barclays Bank Plc.backgroundMr B said that he took out a consolidation loan in 2013. He says that he wanted to pay off his credit card account with a new loan, and keep his pre-existing old loan, b... (2 pages)View decision -
Decision Reference DRN-2177948
21 Sep 2020 TSB Bank plc Not upheldBanking and PaymentsDRN-2177948The complaintMiss G complains that TSB Bank plc (TSB) should have advised her differently when accepting a payment plan from a debt charity when defaulting on her credit card account would have been a better option for her. What happenedMiss G has a credit card account with TSB ... (2 pages)View decision -
Decision Reference DRN-3998953
27 Jun 2023 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-3998953 The complaint Miss S complains Lantern Debt Recovery Services Ltd trading as Lantern started getting in touch about a debt which she didn’t know if it was hers. She’s also unhappy with Lantern’s responses which she’s said are confusing – and have mentioned different companies. ... (2 pages)View decision -
Decision Reference DRN1322336
13 Aug 2013 Welcome Financial Services Limited UpheldPayment protection insurance (PPI)This complaint concerns a single premium payment protection insurance (PPI) policy taken out by Mr A in relation to a personal loan. Mr A says Welcome Financial Services Limited (“Welcome”) mis-sold the policy. backgroundMr A took out a loan with PPI. Mr A complained to Welcome about t... (3 pages)View decision -
Decision Reference DRN9683812
6 Jun 2019 Capital One (Europe) plc Not upheldBanking and creditMrs E complains about the way Capital One (Europe) plc tried to recover a credit card debt from her. Mrs E says Capital One instructed four different debt collection businesses at the same time and that they sent private information to an unrelated address. Mrs E also... (3 pages)View decision -
Decision Reference DRN3036055
15 Mar 2016 Cabot Financial (Europe) Limited Not upheldBanking and creditMrs M complains that Cabot Financial (Europe) Limited is asking her to repay a debt which has been written off. It also started court proceedings when it knew she was disputing the debt. She is assisted in her complaint by her husband, Mr M. backgroundMrs M held ... (3 pages)View decision -
Decision Reference DRN2384614
9 Jan 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr A complains that The Royal Bank of Scotland Plc (“RBS”):-Failed to update his address and then sent a replacement credit card to his old address.- Failed to return his calls or respond to his requests for telephone call transcripts in a reasonable amount of time.-Unfairly pursued hi... (3 pages)View decision -
Decision Reference DRN0759312
13 Aug 2014 Wescot Credit Services Limited Not upheldBanking and creditMr A complains about the debt collection activities of Wescot Credit Services Limited (“Wescot”) in relation to money owed to a third party bank – (“the lender”). He is dissatisfied that Wescot did not contact him after he contacted it, leading him to assume the debt had been written o... (3 pages)View decision
