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 74313 results
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Decision Reference DRN0659167
15 Feb 2017 Paragon Finance Plc UpheldBanking and creditMr S complains that Paragon Finance PLC applied a default to his credit file years after it should have been applied.backgroundMr S says that he entered into a debt management plan (DMP) in April 2008 and made nominal payments towards his account. He says that his a... (3 pages)View decision -
Decision Reference DRN4552784
27 Dec 2018 Capquest Debt Recovery Limited UpheldBanking and creditMr B complains that Capquest Debt Recovery Limited (Capquest”) are chasing him for a debt he doesn’t owe.backgroundMr B had a debt that was sold to Capquest in 2012. He continued to make payments against the debt through a debt management plan (DMP) managed by a thir... (2 pages)View decision -
Decision Reference DRN5004278
27 Nov 2015 Robinson Way Limited Not upheldBanking and creditMr F complains that Robinson Way Limited contacted him to repay a debt which he is already paying to another debt collection company. He also says the amount outstanding is lower than Robinson Way says it is. He wants compensation for the stress he has been caused... (2 pages)View decision -
Decision Reference DRN-2943707
19 Oct 2021 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-2943707 The complaint Mrs L complains that Lantern Debt Recovery Services Ltd chased her for a debt she says had already been settled. She also complains that Lantern have breached data protection rules. What happened Mrs L had an account with a third-party lender, who I’ll refer to as... (3 pages)View decision -
Decision Reference DRN-4011217
10 May 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4011217 The complaint Mr J complains that Creation Financial Services Limited failed to make a reasonable adjustment to the persistent debt payment on his credit card account when he made a lump sum payment. What happened Mr J made a significant payment to his credit card with Creation... (3 pages)View decision -
Decision Reference DRN-3480781
26 Jul 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3480781 The complaint Mr S complains that Barclays Bank UK PLC trading as Barclaycard (Barclaycard) affected his credit rating. What happened Mr S had three credit cards from Barclaycard. The key facts are shown below: Card A Date Limit April 2020 £12,000 September 2020 £10,700 June 20... (5 pages)View decision -
Decision Reference DRN-3638015
20 Feb 2023 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3638015 The complaint Mrs S complains that she is being chased by a third-party debt collector for an outstanding debt Bank of Scotland plc trading as Halifax wrongly sold to it. What happened The details of this complaint are well known to both parties, so I won’t repeat them again he... (2 pages)View decision -
Decision Reference DRN0521072
9 Dec 2016 Moorgate Loan Servicing Limited UpheldBanking and creditMr M complains that Moorgate Loan Servicing Limited (“Moorgate”) has wrongly recorded payments which he made on time under a debt management programme as “late payments” on his credit file.backgroundMr M was made redundant and built up a large amount of debt. In 2010 ... (2 pages)View decision -
Decision Reference DRN0313001
9 Aug 2016 Butler-Do Ltd Not upheldBanking and creditMiss T and her representative are unhappy about the advice she was given by Butler-Do Ltd to enter into a debt management plan. She says it was mis-sold to her and wasn’t the appropriate solution for her situation. She’d have been better becoming bankrupt. She wa... (2 pages)View decision -
Decision Reference DRN4418034
3 Jan 2017 Moneyplus Group Limited Not upheldBanking and creditMr M’s unhappy with the way Moneyplus Group Limited has handled a debt management plan. He believes he’s overpaid and wants a refund.backgroundOur adjudicator felt this complaint shouldn’t be upheld. She said: We can’t look at how the original debt management plan was ... (2 pages)View decision
