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 71155 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 DRN-3804187
14 Nov 2022 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3804187 The complaint Mr H complains that The Royal Bank of Scotland Plc unfairly closed his account causing a default and reported this information to the credit reference agencies. What happened RBS carried out a review of accounts held by Mr H and decided to close them, giving him s... (3 pages)View decision -
Decision Reference DRN0661469
4 Oct 2017 Kapama Limited Not upheldBanking and creditMiss C’s unhappy that Kapama Limited is chasing her for a debt it says is outstanding. backgroundMiss C took out a loan and a few days before it was to be repaid she entered into a debt management plan. Since then the debt has been sold to Kapama and its chasing... (2 pages)View decision -
Decision Reference DRN-2816488
7 Jun 2021 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-2816488 The complaint Mr D complains that Lantern Debt Recovery Services Ltd (Lantern) gave him misleading information while discussing settlements for a debt it owns. What happened In August 2019 Lantern bought a debt in Mr D’s name from the original lender. In January 2021 Mr D conta... (2 pages)View decision -
Decision Reference DRN-4273539
25 Oct 2023 Liverpool Victoria Insurance Company Limited UpheldInsuranceDRN-4273539 The complaint Mr M complains Liverpool Victoria Insurance Company Limited (LV) unfairly recorded a debt on his credit file after it cancelled his motor insurance policy. And after he settled the balance it failed to update his credit file with this information. What happened Mr... (3 pages)View decision -
Decision Reference DRN9430779
26 Mar 2020 Paragon Finance Plc Not upheldBanking and creditMiss J complains via her professional representative that Paragon Finance PLC, trading as Idem Servicing (Idem) have incorrectly reported late payment markers to her credit file.BackgroundMiss J had a credit card account with her bank. Miss J’s circumstances changed, and she began to strug... (3 pages)View decision -
Decision Reference DRN4072944
15 Jul 2019 Bank of Scotland Plc Not upheldBanking and creditBank of Scotland plc sold Mr E’s account to a debt collection agency. It later told him it had sent the wrong figure, but it had put it right. Mr E is complaining because he wants:-more compensation than Bank of Scotland has given him, and -the details changed on his County Court Judgmen... (3 pages)View decision -
Decision Reference DRN1700271
10 Apr 2013 Aktiv Kapital (UK) Limited UpheldBanking and creditMr E complains that that he has been pursued for a debt by Aktiv Kapital (UK) Limited that he does not owe. backgroundMr E received a letter which said that he owed a debt. Mr E disputed the debt and Aktiv Kapital agreed to cease all recovery action but Mr E did not receive any commu... (1 page)View decision -
Decision Reference DRN0438651
9 Feb 2015 Lowell Financial Ltd Not upheldBanking and creditMr G has complained that Lowell Financial Ltd is pursuing him for a debt without having provided him with a copy of the credit agreement which created a debt. He has also complained about a default being recorded against his credit file.backgroundMr G owed money to a third party, which... (1 page)View decision -
Decision Reference DRN-2777889
8 Jul 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2777889 The complaint Mr B complains that Barclays Bank UK PLC trading as Barclaycard acted unfairly when it refused to write off the balance on his credit card. What happened Mr B had a credit card account with Barclaycard. He says that he’s experienced financial and personal difficul... (4 pages)View decision
