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 71523 results
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Decision Reference DRN-5500432
10 Jun 2025 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-5500432 The complaint Miss M complains Link Financial Outsourcing Limited are: Asking her to repay a debt she doesn’t know anything about Won’t provide evidence they’re entitled to ask her to pay the debt Have continued to harass her even after she’s told them the debt is noth... (2 pages)View decision -
Decision Reference DRN-3597688
22 Jul 2022 UK Credit Limited Not upheldConsumer CreditDRN-3597688 The complaint Ms C complained that UK Credit Limited irresponsibly provided her with an unaffordable loan. What happened UK Credit provided Ms C with a loan as follows: Date Loan amount Term (months) Monthly repayment Loan status September 2015 £5,000.00 48 £187.67 PAID The loa... (5 pages)View decision -
Decision Reference DRN9668459
30 Jun 2014 MBNA Limited Not upheldBanking and creditMs F complains that MBNA Limited defaulted her credit card accounts and registered the default with the credit reference agencies without taking into account her circumstances, including the large sums of money she has paid on the accounts over the years. She would like MBNA to clear t... (3 pages)View decision -
Decision Reference DRN-3272875
8 Aug 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3272875 The complaint Mr C complains about a decision by Barclays Bank UK PLC trading as Barclaycard (“Barclaycard”) to suspend his card for being in persistent debt. What happened Mr C has an account with Barclaycard that, before suspension, was maintained close its the credit limit. ... (3 pages)View decision -
Decision Reference DRN9024551
11 Jul 2019 Bank of Scotland Plc UpheldBanking and creditMr H complains that Bank of Scotland plc trading as Halifax hasn’t treated him properly in relation to a shortfall debt following the sale of his property in 2008. Mr H would like the debt written off.backgroundMr H and his partner had a mortgage with Halifax. Halifax got an order for poss... (2 pages)View decision -
Decision Reference DRN5548630
7 Aug 2014 Link Financial Limited Not upheldBanking and creditMr E complains that Link Financial Limited has harassed him over an outstanding debt. It has also given him contradicting advice over whether the debt is to be written off. backgroundMr E had a bank account with a financial provider. The account had an outstanding balance. It was default... (2 pages)View decision -
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 DRN0678478
1 Jun 2015 Marlin Financial Services Limited Not upheldBanking and creditMr P complains that Marlin Financial Services Limited (“the business”) is chasing him for a debt that doesn’t belong to him.backgroundMr P is unhappy that the business is pursuing him for a debt associated to an Egg account that he says he never held, and that it’s r... (2 pages)View decision -
Decision Reference DRN6297570
22 Jul 2016 Valour Financial Management Limited Not upheldBanking and creditMiss T complains that she is unhappy about a debt management plan (“DMP”) she entered into with Valour Financial Management Limited, (“VFML”).The complaint is brought to this service on Miss T’s behalf by a claims management company. But for ease, I shall refer below to... (3 pages)View decision -
Decision Reference DRN-3139788
16 Mar 2022 Hoist Finance UK Limited Not upheldConsumer CreditDRN-3139788 The complaint Mr S is unhappy with how Hoist Finance UK Limited have handled a refund which was used to offset his debt. What happened Mr S says he had an outstanding debt on his credit card with a bank who I’ll refer to as B. The amount was £411.01 and this debt was purchased ... (2 pages)View decision
