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 70868 results
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Decision Reference DRN9791955
22 Dec 2017 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mrs M has complained about the way Capital One (Europe) Plc resolved the mis-sale of a payment protection insurance (PPI) policy.backgroundMrs M had a credit card with Capital One, which had PPI. Unfortunately, she fell into some difficulties. So in 2006, she made a ... (2 pages)View decision -
Decision Reference DRN-4655812
6 Mar 2024 Arrow Global Limited Not upheldBanking and PaymentsDRN-4655812 The complaint Mr S complains Arrow Global Limited harassed him for two years on a debt that was statute barred and have wrongly been reporting it to the Credit Reference Agencies (CRA’s). In addition, Mr S says he was incorrectly told Arrow had secured a County Court Judgment (... (5 pages)View decision -
Decision Reference DRN6600270
14 Dec 2015 Harrington Brooks (Accountants) Limited UpheldBanking and creditMs M complains that Harrington Brooks (Accountants) Limited (Harrington Brooks) mismanaged her debt management plan (DMP). She said it did not properly make payments to one of her creditors (creditor A). backgroundMs M said that she entered the DMP in January 2013. Paym... (2 pages)View decision -
Decision Reference DRN5813397
21 Nov 2016 Link Financial Outsourcing Limited UpheldBanking and creditMr O complains that Link Financial Outsourcing Limited (Link) applied for a charging order in a court that wasn’t local to him.background Mr O had a credit card debt, which he wasn’t able to repay. The debt was sold to Link Financial Outsourcing, which then assigned ... (2 pages)View decision -
Decision Reference DRN-5375361
28 Mar 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5375361 The complaint Miss R complains Cabot Credit Management Group Limited trading as Cabot Financial (Europe) Limited (Cabot), are unfairly asking her to repay a debt she says is included within an Individual Voluntary Arrangement (IVA). What happened In April 2024 Cabot acquire... (3 pages)View decision -
Decision Reference DRN4690729
9 Aug 2019 Santander UK Plc Not upheldBanking and creditMr O complains that Santander UK plc told him, three times, that his debts with it had been “written off”.backgroundMr O had two accounts and a loan with Santander. All three accounts were defaulted in 2013. The loan was passed to a debt collection agency and has since been settled. Mr O h... (3 pages)View decision -
Decision Reference DRN8661451
12 Aug 2015 HSBC Bank plc UpheldPayment protection insurance (PPI)Mr W says that HSBC Bank Plc (HSBC) hasn’t treated him fairly about a loan and PPI that was sold him.backgroundMr W says that when he took out the loan he was told that any PPI claim would pay for the term of the loan. He says he was 60 years old at the time an... (2 pages)View decision -
Decision Reference DRN3091786
7 Jun 2013 The Royal Bank of Scotland Plc Not upheldBanking and creditMr T complains that, even after court proceedings declared that The Royal Bank of Scotland Plc could not pursue Mr T for a business loan debt, the bank continued to send both him and his solicitor correspondence about the loan. He says it also registered adverse information about the l... (1 page)View decision -
Decision Reference DRN-2582644
25 Feb 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2582644 The complaint Mr P complains that Vanquis Bank Limited (Vanquis) defaulted his account and didn’t tell him about the change of debt collection agency. What happened Mr P was made unemployed in May 2018 and was struggling to pay Vanquis. He spoke to Vanquis in October 2018 and a... (3 pages)View decision -
Decision Reference DRN8832110
17 Jan 2019 Shoosmiths LLP Not upheldBanking and creditMrs R says Shoosmiths LLP hasn’t provided her with the information she needed about her debts in a reliable, comprehensive or timely manner.backgroundMrs R finds herself in a difficult financial position. Shoosmiths is acting for three clients who are trying to recove... (3 pages)View decision
