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-2520260
3 Mar 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2520260 The complaint Mr L is concerned that balances Barclays Bank UK PLC say are owing on two accounts are incorrect, and he is unhappy that these accounts were sold to a debt purchasing company. What happened Mr L had two credit accounts with Barclays. Mr L was shocked to be advised... (2 pages)View decision -
Decision Reference DRN9395537
21 Sep 2016 Lowell Portfolio I Ltd Not upheldBanking and creditMr C complains that Lowell Portfolio I Ltd has recorded a default on his credit file. He says that he does not know anything about the debt to which this default relates. He wants Lowell to remove the default.backgroundThe background to this complaint, and my init... (3 pages)View decision -
Decision Reference DRN4214992
23 Jul 2018 Lantern Debt Recovery Services Ltd Not upheldBanking and creditMiss P has complained about the way that Lantern Debt Recovery Services Ltd (“Lantern”) has acted in pursuing a debt that it took over from another business in 2014.backgroundMiss P had taken out a £200 payday loan some years ago which she was unable to repay.... (3 pages)View decision -
Decision Reference DRN-3082415
4 Oct 2021 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3082415 The complaint Miss C is unhappy with the standard of service she’s received from National Westminster Bank Plc (“NatWest”) surrounding the issuance of letters advising that her credit card account is considered as being in persistent debt and the subsequent suspension of that a... (4 pages)View decision -
Decision Reference DRN0028046
28 Jan 2019 Clydesdale Financial Services Limited UpheldBanking and creditMr F complains that Clydesdale Financial Services Limited (trading as Barclays Partner Finance) (CFS) says he’s liable to repay a car loan that it told him was settled years ago. backgroundMr F took out this loan in 2004. He had trouble meeting the repayments and CFS ... (2 pages)View decision -
Decision Reference DRN5740208
18 Nov 2019 National Westminster Bank Plc Not upheldBanking and creditComplaintMr W complains that National Westminster Bank Plc has asked to him repay a debt that he doesn’t believe he owes.BackgroundIn October 2016, Mr W took out a loan with NatWest of £1,600 which he used to repay the overdraft on his current account.Mr W maintained the loan repayments of... (2 pages)View decision -
Decision Reference DRN5242018
8 Aug 2014 Sun Lane Ltd UpheldBanking and creditMr F complains that Sun Lane Ltd did not deliver the debt adjusting service it promised him.backgroundMr F says that he told Sun Lane he would be receiving a lump sum from his divorce and he wanted to use it to settle his debts. He says that Sun Lane agreed to provide a full and final ... (3 pages)View decision -
Decision Reference DRN9117418
26 Jun 2013 Paratus AMC Limited Not upheldBanking and creditMr and Mrs V have complained that they were mis-sold a mortgage by Paratus AMC Limited in 2005.backgroundIn 2005 Mr and Mrs V approached Paratus for assistance with a remortgage. Paratus recommended that they should take a mortgage with a sub-prime lender and Mr and Mrs V took out the... (2 pages)View decision -
Decision Reference DRN-1473015
6 Apr 2020 Hoist Finance UK Limited UpheldConsumer CreditDRN-1473015The complaintMr O complains about the response he got from Hoist Finance UK Limited (Hoist) to some letters he sent them. Mr O was dealing with Hoist’s appointed representatives, which means Hoist is responsible for their actions. To keep things simple, I’ll refer to both as “Ho... (2 pages)View decision -
Decision Reference DRN4136741
14 Nov 2017 Capquest Debt Recovery Limited Not upheldBanking and creditMrs C complains that Capquest Debt Recovery Limited is pursuing her for a debt she doesn’t think she owes.backgroundMrs C complained to CDR about this matter. And, being unhappy with its response, she complained to this service.Our investigator thought Mrs C’s complaint ... (2 pages)View decision