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 74313 results
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Decision Reference DRN-3378071
10 Jun 2022 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-3378071 The complaint Mr M complains that Cabot Credit Management Group Limited is pursuing him for debt that has previously been decided need not be paid. What happened Mr M says he made a previous complaint about a business I will call “N” which was upheld in his favour. He says it w... (2 pages)View decision -
Decision Reference DRN8459595
6 Sep 2013 Baines & Ernst Limited Not upheldBanking and creditMrs A complains about a debt management plan she has with Baines & Ernst Limited (Baines & Ernst). She is unhappy that she was still required to pay the full monthly management fee despite payments for one of her creditors being returned to her for her to then send to the credi... (2 pages)View decision -
Decision Reference DRN6635437
19 Oct 2016 House & Home Care Limited Not upheldBanking and creditMr F complains that House and Home Care Limited (trading as Immediate Financial) mis- sold him a debt management plan (DMP). Mr F brings his complaint with the assistance of a claims management company. For simplicity’s sake I’ll refer to any submissions made on his ... (2 pages)View decision -
Decision Reference DRN6933382
7 May 2015 Gregory Pennington Limited UpheldBanking and creditMr C complains, in summary, that Gregory Pennington Limited (“GPL”) has provided poor customer service, and mis-sold him a debt management plan.backgroundMr C entered into a debt management plan (“DMP”) arranged by GPL in November 2010. He complains that he was misled ... (2 pages)View decision -
Decision Reference DRN6973195
5 Apr 2017 Lloyds Bank PLC Not upheldBanking and creditMr B complains about an outstanding balance which remains on his credit card account with Lloyds Bank PLC despite a debt management plan being in place. Mr B has been assisted in bringing his complaint by his wife. backgroundIn February 2011 Mr B told Lloyds, via a de... (3 pages)View decision -
Decision Reference DRN7931706
9 Mar 2015 Lloyds Bank PLC Not upheldBanking and creditMiss G complains about defaults recorded on her credit file by Lloyds Bank PLC which relate to her loan and credit card accounts. She would like the bank to remove them. backgroundMiss G has defaults on her loan and credit card accounts, as she could not afford the repayments. She ob... (2 pages)View decision -
Decision Reference DRN0753880
25 Oct 2017 Provident Personal Credit Limited Not upheldBanking and creditMr Y has complained about the way defaults have been applied to his credit file in respect of loans he took out with Provident Personal Credit Limited. Mr Y has said that he wasn’t given any notice the defaults were to be applied.backgroundMr Y took out 13 loans ... (2 pages)View decision -
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 DRN1811292
20 Aug 2019 Barclays Bank UK PLC Not upheldBanking and creditMr T complains that Barclays Bank UK PLC (“Barclays”) is unfairly pursuing him for repayment of an old credit card debt. backgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision dated 2 June 2019 – a copy of which is attached and forms... (5 pages)View decision
