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 70137 results
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Decision Reference DRN-3227320
27 Jan 2022 Link Financial Outsourcing Limited UpheldConsumer CreditDRN-3227320 The complaint Mr S complains about Link Financial Outsourcing Limited’s actions when trying to recover a debt he disputed. What happened Link purchased a credit card debt in Mr S’ name from another business (A) in 2019. In January 2021 Link traced Mr S to his address and wrote ... (2 pages)View decision -
Decision Reference DRN5671391
2 Jul 2019 Home Retail Group Card Services Limited Not upheldBanking and creditMr N complains that Home Retail Group Card Services Limited (HRG) defaulted his account and sold it to a debt collection agency I will call M.backgroundMr N has a store card account with HRG which fell into arrears. He had to leave the country due to a family mat... (2 pages)View decision -
Decision Reference DRN4892767
7 Feb 2017 MYJAR Limited UpheldBanking and creditMr J complains that MYJAR Limited via a debt collection agency wrongly contacted him about a debt it claims he owes. He wants an explanation, confirmation that he doesn’t owe any money, and compensation for his wasted time.backgroundIn 2016, Mr J was contacted by a deb... (2 pages)View decision -
Decision Reference DRN-2751366
14 Sep 2021 Cabot Financial (Europe) Limited Not upheldConsumer CreditDRN-2751366 The complaint Mr R complains Cabot Financial (Europe) Limited told him that his debt was statute barred but this wasn’t correct. What happened Mr R has a number of accounts with Cabot. But this complaint only concerns one of those them, a former credit card account. In Novembe... (2 pages)View decision -
Decision Reference DRN2752462
12 Jan 2017 Vanquis Bank Limited Not upheldBanking and creditMr T complains that Vanquis Bank Limited duplicated a default registration on his credit file.backgroundVanquis passed Mr T’s account to a debt collection company in 2014 for non-payment. It later took the account back in-house, prior to selling it.Mr T says he contac... (2 pages)View decision -
Decision Reference DRN1940451
27 Jun 2014 Gregson and Brooke Ltd UpheldBanking and creditMr D complains that Gregson and Brooke Ltd misrepresented a Debt Management Plan (DMP) he entered into with it. He says that it has not distributed his money to creditors as expected.backgroundMr D says that he has paid Gregson and Brooke £2,280 but that it has distributed very little to... (2 pages)View decision -
Decision Reference DRN-4390956
21 Dec 2023 Metro Bank PLC UpheldBanking and PaymentsDRN-4390956 Complaint Mr G is unhappy that Metro Bank PLC (trading as RateSetter) loaded a Cifas marker against his name. Background In October 2021, Mr G applied for a loan with RateSetter. His first payment was due on 1 November 2021 but he didn’t make it. RateSetter contacted him about ... (2 pages)View decision -
Decision Reference DRN4062499
2 Jun 2017 Marks & Spencer Financial Services plc Not upheldBanking and creditMiss A says Marks & Spencer Financial Service Plc (“M&S”) has charged interest on her credit card unfairly. backgroundMiss A took out a charge card in 1987. This was upgraded to a credit card in 2003. In 2015, Miss A started on a debt management plan through... (2 pages)View decision -
Decision Reference DRN-3705715
27 Oct 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3705715 The complaint Miss T complains that Everyday Lending Limited lent to her when she could not afford it. She says that Everyday Lending did not verify her financial situation properly. Miss T says that the cost of the loan was ‘excruciating’. What happened Miss T applied for and ... (7 pages)View decision -
Decision Reference DRN-1958469
23 Nov 2020 The Co-operative Bank Plc Not upheldConsumer CreditDRN-1958469 The complaint Mr R complains that The Co-operative Bank plc (Co-op) incorrectly placed his loan account with a debt collection agency which led to his mortgage application being declined. What happened Mr R took out a loan with Co-op while he was a student in 2017 and in error ... (2 pages)View decision
