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-2976017
27 Aug 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2976017 The complaint Mr K complains Barclays Bank UK PLC allowed his account to go overdrawn. He’s unhappy that he’s now being pursued for a debt as a result. What happened Mr K held a current account with Barclays. He opened it in 2013, in branch, as a Young Persons Account (YPA). It... (3 pages)View decision -
Decision Reference DRN1367845
25 May 2016 Hoist Portfolio Holding 2 Limited UpheldBanking and creditMrs T, represented by Mr T, complains that Hoist Portfolio Holding 2 Limited (the business) is chasing her for repayment of a debt that she has already settled. backgroundMrs T received a county court claim in June 2015. She says she was unaware of the debt the busin... (2 pages)View decision -
Decision Reference DRN7734708
31 Mar 2016 Black Horse Limited Not upheldBanking and creditMs J complains that Black Horse Limited, (“BHL”), had provided her debt management company with incorrect information which ultimately resulted in a default being incorrectly applied to her credit file. backgroundMs J had taken a fixed sum loan with BHL in December ... (3 pages)View decision -
Decision Reference DRN-1819545
13 Jul 2020 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-1819545 The complaintMr S is unhappy about Cabot Credit Management Group Ltd (Cabot) pursuing him for a debt previously held with a bank, that he disputes is his. He is also unhappy about the delay Cabot took in responding to his request under the Consumer Credit Act. What happenedIn ... (3 pages)View decision -
Decision Reference DRN0279964
1 Nov 2019 Bank of Scotland Plc UpheldBanking and creditMiss K complains that Bank of Scotland Plc (trading as Halifax) continued to pursue her for a debt, and defaulted her account, after she’d declared bankruptcy.background Miss K banked with Halifax and had an account with an overdraft facility. She was declared bankrupt in June 2018, and th... (2 pages)View decision -
Decision Reference DRN-3725273
28 Sep 2022 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-3725273 The complaint Ms C complains Capquest Debt Recovery Limited are asking her to repay a debt she says was taken out fraudulently. A charity has supported Ms C in bringing this complaint, but for simplicity I’ll just refer to her in this decision. What happened I issued a provisio... (2 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 -
Decision Reference DRN-3982733
22 Feb 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3982733 The complaint Mr S complains Barclays Bank UK PLC trading as Barclaycard won’t let him make a payment to clear one of his credit card accounts. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant ele... (8 pages)View decision -
Decision Reference DRN1264082
9 May 2016 Legal & General Partnership Services Limited Not upheldBanking and creditThis complaint is about a mortgage arranged for Mr C and Mrs D by an adviser connected with Legal & General Partnership Services Limited (“L&G”). Mr C and Mrs D feel they weren’t given good advice. They’re particularly concerned about the suitability of the ad... (2 pages)View decision -
Decision Reference DRN-3693332
17 Feb 2023 True Bearing Ltd Not upheldPensions and AnnuitiesDRN-3693332 The complaint Mr H complains that he was given unsuitable advice by True Bearing Ltd (True Bearing), trading as True Bearing Chartered Financial Planners, to transfer the benefits from his defined-benefit (DB) occupational pension scheme to a personal pension (PP) and withdraw ... (5 pages)View decision
