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 DRN2521324
1 Mar 2017 TSB Bank plc Not upheldBanking and creditMr L complains about a default applied to his credit file as a result of an overdrawn balance on his TSB Bank plc (“TSB”) account.backgroundMr L made an online transaction with his TSB debit card that caused his account to go overdrawn by £15. So TSB applied un... (2 pages)View decision -
Decision Reference DRN-2844985
2 Jun 2021 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-2844985 The complaint Mr R complains about Lantern Debt Recovery Services Ltd trading as Lantern trying to collect a debt on a loan which he believes was sold to him irresponsibly. He wants any charges and interest refunded. And the details of the debt removed from his credit file. Wha... (2 pages)View decision -
Decision Reference DRN5593292
9 Mar 2015 Arrow Global Limited UpheldBanking and creditMiss L has complained that Arrow Global Limited will not write off a debt she owes it.backgroundfactsMiss L has a debt for £1,178 with Arrow Global. She has explained that she is unable to repay this and is suffering from terminal illness and a number of other serious health proble... (3 pages)View decision -
Decision Reference DRN9667026
16 Aug 2017 NewDay Ltd Not upheldBanking and creditMr M complains about NewDay Ltd (“the business”) registering a default against his credit file, and selling his outstanding debt to a third party. backgroundMr M previously had a credit card, which was operated by the business. In summer 2014 Mr M reached his credit li... (3 pages)View decision -
Decision Reference DRN-2767940
14 May 2021 Arrow Global Limited Not upheldBanking and PaymentsDRN-2767940 The complaint Mr T complains that Arrow Global Limited didn’t notify him that is was seeking to obtain a County Court Judgment (CCJ) against him in relation to a debt he’d accrued. He’d like the debt written off. What happened Mr T tells us that he didn’t receive any notice fro... (2 pages)View decision -
Decision Reference DRN4337140
19 Nov 2013 Northern Debt Recovery Limited UpheldBanking and creditMr R complains that Northern Debt Recovery Limited continued to contact him about debt repayment after it was made aware he did not have an outstanding debt.backgroundMr R applied for a loan through another party (“the lender”). This loan was never credited to his account but the lender c... (1 page)View decision -
Decision Reference DRN2692633
4 May 2017 Capital One (Europe) plc UpheldBanking and creditMr C is unhappy that Capital One (Europe) plc has registered a default against his credit record even though there’s an agreed debt management programme (DMP) in place. His other lenders haven’t registered a default and he doesn’t think that Capital One has followed indu... (4 pages)View decision -
Decision Reference DRN-4440454
7 Nov 2023 TSB Bank plc UpheldBanking and PaymentsDRN-4440454 The complaint Miss B complains that TSB Bank plc shouldn’t have defaulted her current account as she had maintained regular repayment plans through a debt management plan. What happened In late August 2018, Miss B entered into a repayment plan with TSB to clear the outstanding ... (3 pages)View decision -
Decision Reference DRN3037153
19 Dec 2018 Tesco Personal Finance PLC Not upheldPayment protection insurance (PPI)Ms J’s complaint is about how Tesco Personal Finance PLC (“Tesco”) has used the compensation it offered on her payment protection insurance (“PPI”) policy attached to her credit card, to reduce her outstanding debt.backgroundMs J, through a claims management company (“... (4 pages)View decision -
Decision Reference DRN-4430684
14 Nov 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4430684 The complaint Miss A complains that Barclays Bank UK PLC (Barclays) hasn’t communicated with her about a debt it says has been outstanding since 2014, leaving her facing unexpected financial consequences. What happened Miss A opened a student account with Barclays in July 2006.... (3 pages)View decision
