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 71335 results
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Decision Reference DRN5124779
31 Mar 2014 Career Finance 4 Trade Skills Limited UpheldBanking and creditMrs O complains about a loan she took out with Career Finance 4 Trade Skills Limited (‘CF4TS’). She says the loan was unaffordable and that she was put under considerable pressure from a debt collection agent to make payments. backgroundMrs O took out the loan in September 2011 to pay f... (4 pages)View decision -
Decision Reference DRN-1715934
15 Dec 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-1715934 The complaint Mrs T complains that National Westminster Bank Plc (NatWest) is pursuing her for repayment of an overdraft from a business she isn’t involved with. She wants NatWest to contact her former business partner over the matter and there to be no impact on her credit rat... (3 pages)View decision -
Decision Reference DRN-4239869
17 Jul 2023 Experian Limited Not upheldConsumer CreditDRN-4239869 The complaint Mrs C complains that Experian Limited has is reporting the same defaults twice on her credit report. What happened A business I will refer to as P, bought two accounts in Mrs C’s name that were in default but have since been settled in full. The accounts were orig... (2 pages)View decision -
Decision Reference DRN0746318
20 Oct 2016 Debitum Limited UpheldBanking and creditMrs and Mr W complain about the way Debitum Limited has managed a debt management plan and are unhappy about its poor customer service.backgroundMrs and Mr W entered into the debt management plan in July 2010. They say they’ve made the 54 contractual payments of £180. ... (2 pages)View decision -
Decision Reference DRN-2573089
2 Aug 2021 Lowell Financial Ltd Not upheldBanking and PaymentsDRN-2573089 The complaint Mr L complains Lowell Financial Ltd are asking him to repay a debt on a credit card they shouldn’t be. Mr L’s also unhappy they’re reporting the debt to the credit reference agencies (CRA’s). What happened The information I have shows the credit card in question w... (4 pages)View decision -
Decision Reference DRN1194201
5 Sep 2016 Cabot Financial (Europe) Limited Not upheldBanking and creditMrs E’s complaint is about a default that was registered against her credit file by Cabot Financial (Europe) Limited.backgroundIn December 2010 Cabot Financial bought a debt Mrs E owed another business. Until that time Mrs E had been repaying the debt by way of a pay... (2 pages)View decision -
Decision Reference DRN1804036
22 Apr 2013 Phoenix Recoveries (UK) Limited Sarl UpheldBanking and creditsummary of complaintMrs D complains about interest being added to a debt that was subject to a court judgment. She is unhappy that interest was added and recovered by Phoenix Recoveries (UK) Limited Sarl through a charging order when the property was sold. background to complaintThe adj... (2 pages)View decision -
Decision Reference DRN-2895125
13 Jul 2021 MBNA Limited Not upheldBanking and PaymentsDRN-2895125 The complaint Mr B complains that MBNA Limited (MBNA) sold his debt to a debt collection agency. What happened Mr B had a debt with MBNA. In March 2019 they sent him a notice of default. On 16 July 2019 they issued a final demand for payment. On 1 August 2019, MBNA defaulted Mr... (3 pages)View decision -
Decision Reference DRN-4350691
9 Feb 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4350691 The complaint Mr R complains that he’s being pursued by a debt collection agency for his credit card debt from Barclays Bank UK PLC which he thought had been written off. What happened Mr R had a credit card with Barclays. In 2021 he was in some financial hardship and contacted... (3 pages)View decision -
Decision Reference DRN-5404496
18 Mar 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5404496 The complaint Mr S complains that Vanquis Bank Limited was irresponsible in its lending to him. What happened Mr S was provided with a £5,000 loan by Vanquis in November 2022. The loan term was 36 months and Mr S was required to make monthly repayments of around £204. Mr S s... (3 pages)View decision
