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 77095 results
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Decision Reference DRN-4676587
20 Aug 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4676587 The complaint Mr P complains that HSBC UK Bank Plc reported an overdue debit balance on his credit file following its decision to close his bank account. What happened Mr P had an account with HSBC. In February 2023, HSBC closed Mr P’s account. Mr P says he asked for an expl... (3 pages)View decision -
Decision Reference DRN4060655
7 Aug 2017 Lloyds Bank PLC Not upheldBanking and creditMr A says that when Lloyds Bank plc sold his debt onto a credit management company it hadn’t correctly worked out what he still owed.backgroundMr A had a current account with Lloyds. In 2002, 2004 and 2005 he also took out loans with the bank. Mr A stopped making ... (3 pages)View decision -
Decision Reference DRN-3228706
20 Jan 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3228706 The complaint Mr H complains that Madison CF UK Limited trading as 118118 Money (“MCF”) failed to provide him with a settlement figure on his loan following his request in September 2017. What happened Mr H was given a loan by MCF in June 2017. He borrowed £3,500 and agreed to ... (3 pages)View decision -
Decision Reference DRN8087706
8 Dec 2015 Canada Square Operations Limited UpheldBanking and creditMr R complains about the customer service he has received from Canada Square Operations Limited in relation to a debt.backgroundMr R used to have a credit card and a loan with a bank. He says he was told he needed to pay £6,000 to settle both accounts in 2007. So he... (2 pages)View decision -
Decision Reference DRN0950617
28 Aug 2015 Lowell Financial Ltd Not upheldBanking and creditMr J complains about a debt sold on to Lowell Financial Ltd, trading as Lowell Group. He says that since purchasing the debt, Lowell has demanded that he pay the amount owed in full. He also says that it has added interest to his account.BackgroundMr J had incurred ... (1 page)View decision -
Decision Reference DRN0684563
26 Oct 2015 Barclays Bank Plc UpheldBanking and creditMrs A complains that Barclays Bank PLC is pursuing her for a debt about which she knows nothing.background Mrs A says she received a letter from Barclays in late 2014 telling her that an outstanding debt had been passed to a debt recovery agent. Mrs A says she ... (2 pages)View decision -
Decision Reference DRN2044322
12 May 2015 Barclays Bank Plc Not upheldBanking and creditMrs F complains that Barclays Bank Plc (trading as Barclaycard) defaulted her account even though she had a repayment plan in place with them. They did not tell her they had sold her debt to a debt collection company. And she would like the adverse entry removed fr... (2 pages)View decision -
Decision Reference DRN-4622267
20 Aug 2024 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-4622267 The complaint Mr R complains that Link Financial Outsourcing Limited trading as Link Financial forged a notice of assignment (NOA). What happened Mr R has an outstanding debt which was originally owed to a business I will refer to as T. In July 2023, T assigned the debt to a... (2 pages)View decision -
Decision Reference DRN2877645
7 Mar 2018 Hitachi Capital (UK) Plc Not upheldBanking and creditMiss S acquired household furniture in May 2012, by means of a 60 month fixed sum loan agreement with Hitachi Capital (UK) Plc. She subsequently experienced financial difficulties and entered a Debt Management Plan (DMP). She complains that she has repaid more than her o... (3 pages)View decision -
Decision Reference DRN8903429
10 Aug 2018 HB Financial Solutions Ltd UpheldBanking and creditMiss S complains that HB Financial Solutions Limited, trading as Harrington Brooks DebtManagement, ("HB"), didn’t repay her creditors promptly and so caused delays in theupdating of her credit file which resulted in her being declined credit.background Miss S e... (4 pages)View decision