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 70502 results
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Decision Reference DRN9209386
3 Aug 2020 Hoist Finance UK Limited UpheldBanking and creditMr P is unhappy about the way Hoist Finance UK Limited (Hoist) pursued him for a debt.Mr P was dealing with Hoist’s appointed representatives, which means Hoist is responsiblefor their actions. To keep things simple, I’ll refer to both as “Hoist” in this decision.backgroundI set out the ba... (5 pages)View decision -
Decision Reference DRN1565646
22 Sep 2020 Link Financial Outsourcing Limited Not upheldBanking and creditMr W complains that Link Financial Outsourcing Limited is pursuing him for three debts which he says it cannot prove are his, and about related issues.backgroundThree debts were assigned to Link Financial by third parties in 2008 and 2009. Mr W made token payments of £5 a month towards eac... (2 pages)View decision -
Decision Reference DRN6640841
20 May 2014 HSBC Bank plc Not upheldBanking and creditMr and Mrs R complain that HSBC Bank plc is wrongly requiring them to pay £175,000, rather than £100,000, under security they gave in 2003 for the debt of their son-in-law’s business. They want the bank to accept that they are only required to pay £100,000.Mr and Mrs R are supported in the... (4 pages)View decision -
Decision Reference DRN-2705576
2 Jun 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2705576 The complaint Mr R complains that Barclays Bank UK PLC, trading as Barclaycard, sold his debt to a debt collection agency. He says phone calls from the debt collection agency have affected his mental health. He wants Barclaycard to take back possession of the debt or write it o... (2 pages)View decision -
Decision Reference DRN-2560231
17 May 2021 Lowell Financial Ltd Not upheldConsumer CreditDRN-2560231 The complaint Mr B complains that Lowell Financial Ltd won’t provide documents to prove it owns debts it says it acquired in his name. What happened Lowell says that in 2015 it purchased five debts in Mr B’s name. Lowell sent Mr B a notice of assignment for each debt it says it... (2 pages)View decision -
Decision Reference DRN-2869113
5 Jul 2021 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-2869113 The complaint Mr K complains that Capquest Debt Recovery Limited is acting unfairly by not offering him a higher discount off his debt in line with the offers made by other businesses. What happened Mr K tells us that for some years he’s been paying off various debts to differe... (2 pages)View decision -
Decision Reference DRN3568087
18 Dec 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMiss L complains that a debt she has should not have been sold on.backgroundMiss L defaulted on a loan in 2011 and was taken to court by the creditor, who I’ll call company B. They subsequently obtained a charging order against her house. The debt has since been sold to various debt manage... (2 pages)View decision -
Decision Reference DRN4879694
17 Sep 2015 Clear View Finance Limited UpheldBanking and creditMs D complains Clear View Finance Limited agreed to help her reduce her debts but hasn’t done so.backgroundIn 2012 Ms D agreed that Clear View would help her reduce her debts. Ms D says she was told her plan would last less than three years. In 2015 Ms D complained t... (2 pages)View decision -
Decision Reference DRN8483077
11 May 2020 Santander UK Plc UpheldBanking and creditMr Z has complained Santander UK plc is holding him liable for the expenditure on credit cards he didn’t apply for in 2016 and 2017.backgroundAfter applying for a loan with his bank, Mr Z was told his credit record showed a number of loans and credit cards. He’d never applied for these. Th... (3 pages)View decision -
Decision Reference DRN-1869494
29 May 2020 The Royal Bank of Scotland Plc Not upheldInsuranceDRN-1869494The complaintMr B is complaining that The Royal Bank of Scotland Plc (“RBS”) has used the compensation it offered for the mis-selling of a payment protection insurance (“PPI”) policy attached to his credit card, to reduce his outstanding debt. What happenedIn November 2019, RBS ... (3 pages)View decision
