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 70252 results
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Decision Reference DRN-3370537
7 Apr 2022 Phillips & Cohen Associates (UK) Limited UpheldConsumer CreditDRN-3370537 The complaint The estate of Mr S complains that Phillips & Cohen Associates (UK) Limited sent a letter to collect a balance that was higher than the settlement agreed by the debt owner. The estate of Mr S also complains that Philips and Cohen failed to send confirmation of ... (2 pages)View decision -
Decision Reference DRN5471860
7 Oct 2015 Cabot Financial (UK) Limited UpheldBanking and creditMr L complains that Cabot Financial (UK) Limited wrongly increased the amount owed on a debt it had purchased, wrote a threatening letter, failed to credit all the payments made and failed to respond to requests for an explanation of the situation. backgroundIn 2013 C... (2 pages)View decision -
Decision Reference DRN2170917
1 Jul 2014 Bank of Scotland Plc Not upheldBanking and creditMr D complains that Bank of Scotland plc (“Intelligent Finance”) has held him responsible for a debt created on his account when he made transactions which left it over £13,000 overdrawn. This was despite the authorised overdraft limit being less than £1,000.background The circumstances ... (5 pages)View decision -
Decision Reference DRN1263325
27 Dec 2017 Lloyds Bank PLC Not upheldBanking and creditMr A is unhappy that Lloyds Bank PLC passed a debt to an agency without warning him. backgroundMr A took out a loan with Lloyds in 2016. He lost his job the following year and struggled to make the monthly repayments. Mr A said he spoke to Lloyds and it agreed to... (2 pages)View decision -
Decision Reference DRN5290502
30 Jun 2014 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs A complain about the way Lloyds Bank plc has acted in enforcing its charge over their property for a business debt. They want the bank to stop charging interest on the outstanding debt and to agree an acceptable repayment plan with them, rather than force the property’s sale... (2 pages)View decision -
Decision Reference DRN2712041
23 Dec 2019 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr and Mrs W don’t think it’s fair for The Royal Bank of Scotland Plc (RBS) to use their payment protection insurance (PPI) compensation to reduce the debt from which they were discharged when their protected trust deeds came to an end in 2011.background Mr and Mrs W took out a series of e... (6 pages)View decision -
Decision Reference DRN-3069030
4 Oct 2021 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-3069030 The complaint Miss M complains that Creation Consumer Finance Ltd miscalculated her outstanding loan balance, chased her for payments after she had agreed an arrangement to pay with a debt collection agency, falsely accused her of ending two phone calls, and referred her debt t... (3 pages)View decision -
Decision Reference DRN0721981
15 Aug 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr Y complains that Lloyds TSB Bank plc (“Lloyds TSB”) gave wrong information to the administrator of his debt management program which meant that the payments towards his loan stopped being made.background The administrator of Mr Y’s debt management program paid a monthly payment into... (2 pages)View decision -
Decision Reference DRN-3044673
11 Nov 2021 Link Financial Outsourcing Limited UpheldBanking and PaymentsDRN-3044673 The complaint Mr R complains that Link Financial Outsourcing Limited took over management of a debt that was marked in error as defaulted as this had already been repaid. What happened Mr R is unhappy that his debt taken with his original bank defaulted. That bank decided to as... (2 pages)View decision -
Decision Reference DRN2765663
10 Sep 2013 Barclays Bank Plc Not upheldBanking and creditMrs G complains that Barclays Bank PLC told her that all her accounts with it were closed, but she later discovered that Barclays had registered adverse credit information about her in relation to a debt that she had been unaware of.backgroundMrs G says that she went into the Barclays ... (2 pages)View decision
