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 DRN0313103
4 Dec 2014 Capital One (Europe) plc Not upheldBanking and creditMr C, complains that Capital One (Europe) plc did not give reasonable consideration to his offer in settlement to clear his credit card balance and sold it to a third party. He is represented by his brother, Mr A.our initial conclusionsThe adjudicator did not recommend that t... (2 pages)View decision -
Decision Reference DRN2493953
28 Sep 2016 Cabot Financial (Europe) Limited UpheldBanking and creditMr L complains Cabot Financial (Europe) Limited chased him for a debt which he paid off just under six years ago.background Mr L says he received a letter from Cabot asking him to pay off a debt of approximately £4,500. Mr L says he contacted Cabot explaining he’d paid... (1 page)View decision -
Decision Reference DRN-2707671
6 Apr 2021 TSB Bank plc Not upheldBanking and PaymentsDRN-2707671 The complaint Mr S complained that he has been harassed by TSB Bank Plc for repayment of a debt that he doesn’t owe. He also believes that they’ve shared personal data without his consent . Mr S is represented by another party in bringing this complaint. But, for simplicity, I’... (4 pages)View decision -
Decision Reference DRN-4588170
27 Mar 2024 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-4588170 The complaint Mr T complains that Lantern Debt Recovery Services Ltd (Lantern) haven’t investigated his complaint about irresponsible lending of a loan and harassment to repay it, from the original lender. What happened Mr T held a loan with a lender, which I’ll refer to as Com... (3 pages)View decision -
Decision Reference DRN3702441
20 Nov 2013 Lloyds Bank PLC Not upheldBanking and creditMr C complains that he has no knowledge of a debt which Lloyds Bank plc (previously Lloyds TSB Bank plc), is pursuing him to repay.backgroundA joint account was opened in the names of Mr C and his now ex-wife in or around 2001. The account defaulted in 2012 and Mr C is being pursed fo... (2 pages)View decision -
Decision Reference DRN-5501369
30 Apr 2025 UK Credit Limited Not upheldConsumer CreditDRN-5501369 The complaint Mr S complains that UK Credit Limited was irresponsible in its lending to him. He wants all interest and charges refunded, along with statutory interest, and any adverse information recorded about this loan removed from his credit file. Mr S is represented by a... (4 pages)View decision -
Decision Reference DRN-3457165
24 Oct 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3457165 The complaint Ms B complains about the actions of National Westminster Bank Plc regarding the settlement of business debts and reviews of the bank’s lending. Ms B brings the complaint behalf of herself and the estate of her late partner, Mr A. What happened Ms B and Mr A were b... (3 pages)View decision -
Decision Reference DRN1104528
26 Sep 2014 Santander Cards UK Limited Not upheldBanking and creditMr R complains that he has been receiving letters from a debt collection firm for a debt that does not belong to him. The firm is dealing with a debt transferred to it by Santander Cards UK Limited. Mr R says that he has told Santander that he has never had an account with it. He wants... (2 pages)View decision -
Decision Reference DRN2987791
30 Oct 2015 Haydon Associates Debt Management Consultants Ltd UpheldBanking and creditMs D complains that Haydon Associates Debt Management Consultants Ltd trading as Resolve Money Matters (Resolve) mismanaged her debt management plan (DMP). She said only minimal payments had been made to her creditors. backgroundIn around January 2014, Ms D entered ... (3 pages)View decision -
Decision Reference DRN5592917
17 Apr 2013 MBNA Limited UpheldBanking and creditMrs G complained about MBNA Limited (“MBNA”) not refunding a payment to her credit card account – which had been transferred to MBNA from another credit card provider - following a claim she made under section 75 of the Consumer Credit Act 1974 (“section 75”) for services she did not re... (2 pages)View decision
