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 DRN0605211
8 Apr 2019 Link Financial Outsourcing Limited UpheldBanking and creditMr and Mrs J complain that Link Financial Outsourcing Limited has treated them unfairly since it took over their debt from another company when they found themselves in financial difficulties. In particular they complain because it’s increased the debt significantl... (2 pages)View decision -
Decision Reference DRN5059098
2 Aug 2019 Barclays Bank UK PLC UpheldBanking and creditMr F complains that Barclays Bank UK PLC (“Barclays”) allowed him to get into financial difficulties by giving him lending he couldn’t repay. backgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision dated 24 June 2019 – a copy of which... (7 pages)View decision -
Decision Reference DRN2632963
18 Sep 2019 NRAM Limited Not upheldPayment protection insurance (PPI)Mr S’s complaint is a about a payment protection insurance (PPI) policy sold to him by NRAM Limited in 2005.The loan and PPI was sold by another business which later became part of NRAM Limited. I will refer to NRAM throughout this decision.backgroundIn March 2005 Mr S took out a loan for ... (3 pages)View decision -
Decision Reference DRN-3172262
22 Nov 2021 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3172262 The complaint Mr R complains that he reached an agreement with Lloyds Bank PLC to clear a debt, but it didn’t honour that agreement, and instead it defaulted his account. Mr R says he’s been complaining about this for some years, and Lloyds only just accepted it made a mistake.... (4 pages)View decision -
Decision Reference DRN7113749
20 Feb 2018 Clydesdale Bank Plc Not upheldBanking and creditMr G complains that Clydesdale Bank Plc (trading as Yorkshire Bank) reported incorrect information to credit reference agencies when his current account debt was sold. As a result he says he’s been declined a credit card and car loan.To settle the complaint, M G wan... (2 pages)View decision -
Decision Reference DRN-2368335
22 Jan 2021 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-2368335 The complaint Mr W complains that Cabot Credit Management Group Limited obtained a County Court Judgment (CCJ) against him when it shouldn’t have done so. What happened Mr W is unhappy that Cabot incorrectly applied a CCJ on his credit file five years ago. He says that he only... (2 pages)View decision -
Decision Reference DRN-5045342
25 Feb 2025 J D Williams & Company Limited Not upheldConsumer CreditDRN-5045342 The complaint Mr M has complained J D Williams & Company Limited, trading as Jacamo, is holding him liable for a debt for a catalogue account he didn’t take out. What happened Mr M started getting letters from a debt collection agency about an outstanding debt of over £1... (2 pages)View decision -
Decision Reference DRN-3882406
22 Mar 2023 Motorpoint Limited Not upheldConsumer CreditDRN-3882406 The complaint Mr W complains that Motorpoint Limited hasn’t provided the correct settlement to his complaint following the rejection of his car. What happened Mr W entered into a finance agreement to acquire a car from Motorpoint Limited in March 2017. This finance agreement wa... (2 pages)View decision -
Decision Reference DRN3771218
28 Feb 2017 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMiss F complains that she wasn’t provided with satisfactory information about her debtmanagement plan (“DMP”), which was sold to her by a third party (“T”). The DMP was thenpassed to Harrington Brooks (Accountants) Limited, trading as Harrington Brooks DebtManagement, (... (3 pages)View decision -
Decision Reference DRN5601255
4 Feb 2014 Santander UK Plc UpheldBanking and creditMs M complains that Santander UK Plc has pursued her for a debt that was not hers. She is seeking significant compensation for the distress caused by Santander’s actions.backgroundThe events of this case are spread over a number of years and Santander has now said it is no longer pursuin... (2 pages)View decision
