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 DRN3824585
13 May 2014 Lloyds Bank PLC UpheldBanking and creditMr C complains that Lloyds Bank Plc has passed on personal information about him to a debt collecting agency. He would like the bank to acknowledge its error and compensate him for the distress this has caused.backgroundIn July 2013 Mr C received a letter on the bank’s headed notepaper ... (2 pages)View decision -
Decision Reference DRN6375836
11 Sep 2015 CitiFinancial Europe Plc UpheldBanking and creditMr H complains that CitiFinancial Europe Plc (CFE) added interest and charges to his debt after he had entered into a debt management plan (DMP). our initial conclusionsThe adjudicator recommended that the complaint should be upheld. She considered that the debt management company (D... (2 pages)View decision -
Decision Reference DRN-2940109
23 Jul 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2940109 The complaint Mr G complains that Bank of Scotland (trading as Halifax) sent him a letter regarding persistent debt. He’s also unhappy that Halifax didn’t respond in a timely manner to his data subject access request (DSAR) and that it referred to his concerns as feedback. What... (4 pages)View decision -
Decision Reference DRN-3334415
12 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3334415 The complaint Mr S complained that Everyday Lending Limited trading as Everyday Loans lent to him irresponsibly and provided a loan that was unaffordable. What happened Mr S took out a loan with Everyday Loans as follows: Date taken Loan amount Term Monthly repayment Loan statu... (4 pages)View decision -
Decision Reference DRN-3004440
16 Nov 2021 Santander UK Plc Not upheldBanking and PaymentsDRN-3004440 The complaint Mr L has complained that a refund of interest has been applied to the unsettled portion of his credit card debt rather than being paid to him directly. What happened Mr L took out a credit card with Santander UK Plc in January 2011 and fell into arrears in April 2... (2 pages)View decision -
Decision Reference DRN-3168146
28 Feb 2022 Lloyds Bank PLC Not upheldConsumer CreditDRN-3168146 The complaint Ms H is unhappy that Lloyds Bank PLC didn’t amend her credit file as they’d agreed to. What happened Ms H previously brought a complaint to this service about a Lloyds personal loan which resulted in Lloyds agreeing to amend the date of a default for that loan acc... (2 pages)View decision -
Decision Reference DRN-3869638
5 Jan 2023 Lowell Financial Ltd Not upheldConsumer CreditDRN-3869638 The complaint Mr D complains about the way that Lowell Financial Ltd (Lowell) has handled the collection of a debt in his name. What happened Mr D owed money to a business I will refer to as C. In 2018, C sold the debt to Lowell Portfolio I Limited which in turn appointed Lowel... (2 pages)View decision -
Decision Reference DRN-2657928
5 Mar 2021 National Westminster Bank Plc UpheldConsumer CreditDRN-2657928 The complaint Mr M complains that National Westminster Bank Plc (NatWest) didn’t close his loan account after the debt was sold. What happened Mr M had a loan with NatWest. In November 2019, it was sold to a debt collection agency (DCA). Mr M received letters and statements fro... (2 pages)View decision -
Decision Reference DRN7950112
25 Oct 2017 Cabot Credit Management Group Limited UpheldBanking and creditMr L complains that Cabot Credit Management Group Limited (trading as Cabot Financial (Europe) Limited) are out of time to chase him for a debt. He wanted them to stop chasing him.backgroundMr L said Cabot were chasing him for a debt that was statute barred. He’d c... (3 pages)View decision -
Decision Reference DRN7820915
16 Apr 2020 Arrow Global Limited Not upheldBanking and creditMr B complains that Arrow Global Limited wrongly obtained a County Court Judgement (“CCJ”) against him for a debt by using an old address for service which didn’t comply with the Civil Procedure Rules for service (“CPR 6.9”) backgroundIn 2004 Mr B took out a credit card with a bank but unf... (4 pages)View decision
