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-2864019
8 Jun 2021 Equifax Limited Not upheldConsumer CreditDRN-2864019 The complaint Mrs P has complained that Equifax Limited gave her address to a debt collector. What happened In 2020, a debt collector contacted Mrs P about an old account, and told her they got her address from Equifax. Mrs P complained. She explained she was worried that if Eq... (2 pages)View decision -
Decision Reference DRN8092863
15 Apr 2019 Arrow Global Limited Not upheldBanking and creditMrs B complains about Arrow Global Limited’s handling of a debt they say she owes them. backgroundMrs B is represented in this complaint, but for ease I’ll refer to Mrs B below when describing the actions of her or her representative.Mrs B took out a credit card ac... (3 pages)View decision -
Decision Reference DRN0758028
11 Mar 2020 Cabot Credit Management Group Limited Not upheldBanking and creditMr H complains that Cabot Credit Management Group Limited trading as Cabot Financial (Europe) Limited is asking him to pay a credit card debt for an account that was fraudulently opened in his name.backgroundMr H says that his late wife opened a credit card account in his name without his ... (2 pages)View decision -
Decision Reference DRN-2519983
10 Mar 2021 NRAM Limited UpheldMortgagesDRN-2519983 The complaint Ms F and Mr P complain that NRAM Limited wrongly recorded missed payments on their credit files. They that it corrects their credit files and pays compensation. What happened Ms F and Mr P had a mortgage with NRAM. They were in financial difficulties and entered i... (2 pages)View decision -
Decision Reference DRN9402615
17 Jul 2018 National Westminster Bank Plc Not upheldBanking and creditMrs C complains about National Westminster Bank Plc (“NatWest”) for the way it has reported her debt management plan on her credit file. She wants NatWest to remove reference to late payments from her credit file. backgroundMrs C has been a customer of NatWest fo... (2 pages)View decision -
Decision Reference DRN-5470778
24 Apr 2025 Lendable Ltd Not upheldConsumer CreditDRN-5470778 The complaint Mr M, through a representative, says Lendable Ltd irresponsibly lent to him. What happened Mr M took out a 48-month instalment loan for £4,535 from Lendable on 29 December 2022. The monthly repayments were £191.43 and the total repayable was £9,173.79. All repa... (3 pages)View decision -
Decision Reference DRN2649229
21 Dec 2017 Commercial Associates Limited Not upheldBanking and creditMs D is unhappy Commercial Associates Limited (CAL) pursued her for a debt in respect of a vehicle she hired from it. She also says she was pressurised to hire the vehicle. backgroundMs D needs a specialised vehicle for her business which she hired from CAL, agree... (3 pages)View decision -
Decision Reference DRN7295973
25 Feb 2015 National Westminster Bank Plc Not upheldBanking and creditMr B has complained as the director of a limited company, which I shall refer to as “Y”, about the actions of National Westminster Bank Plc (“the bank”).In particular, Y is unhappy that:- The bank charged it for a security review. Excessive interest and charges were applied to its ac... (2 pages)View decision -
Decision Reference DRN7545727
18 Dec 2014 Fredrickson International Limited Not upheldBanking and creditMr E complains that Fredrickson International Limited has tried to recover an old credit card debt from him. He says he does not owe the money and complains that Fredrickson has harassed him and breached industry guidelines. backgroundMr E complains that Fredrickson, a licensed debt col... (2 pages)View decision -
Decision Reference DRN-5174917
27 Nov 2024 Somerset Bridge Insurance Services Limited UpheldInsuranceDRN-5174917 The complaint Mr N complains about the way Somerset Bridge Insurance Services Limited trading as Go Skippy Insurance (“SB”) handled his policy cancellation. What happened Mr N took out insurance through SB in July 2023. In November 2023, Mr N got a change of vehicle quote f... (5 pages)View decision
