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
-
Decision Reference DRN0276810
12 Aug 2013 Liverpool Victoria Friendly Society Limited UpheldPayment protection insurance (PPI)This complaint is about a single premium payment protection insurance policy (‘PPI’) sold in conjunction with a loan by Liverpool Victoria Friendly Society Limited (LV). It has agreed to provide redress in relation to this. However, Mr B (who is represented by a claims management compan... (2 pages)View decision -
Decision Reference DRN9476435
25 Feb 2015 AIB Group (UK) Plc Not upheldBanking and creditMr G complains that AIB Group (UK) Plc (trading as First Trust Bank) wrongly issued a termination notice for his credit card account. When it reinstated the account it reduced his credit card limit.backgroundIn July 2014 First Trust received a letter from a debt management company say... (2 pages)View decision -
Decision Reference DRN-5503771
28 Apr 2025 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5503771 The complaint Mrs T complains that Barclays Bank UK PLC, trading as Barclaycard, were unreasonable to transfer her debt to a third party and failed to pass on the correct contact details. What happened In October 2023 after Barclays defaulted a credit card debt Mrs T had wit... (2 pages)View decision -
Decision Reference DRN3652015
15 Nov 2016 Link Financial Outsourcing Limited UpheldBanking and creditMr L complains that Link Financial Outsourcing Limited should have applied a default registration to his account at an earlier date.backgroundMr L says that in December 2008 he found himself in financial difficulties and could no longer maintain the minimum repayments... (2 pages)View decision -
Decision Reference DRN4393538
4 Jun 2014 Barclays Bank Plc Not upheldBanking and creditMr F complains that Barclays Bank Plc trading as Barclaycard did not stand by its offer to settle his credit card debt. backgroundMr F found himself in financial difficulties and fell into arrears with his credit card. In 2011 he entered into an arrangement with Barclaycard to make small... (1 page)View decision -
Decision Reference DRN-5516520
10 Jul 2025 Intrum UK Limited Not upheldConsumer CreditDRN-5516520 The complaint Mr M complains Intrum UK Limited have failed to prove they are legally entitled to collect a debt they’ve contacted him about. What happened As I understand it the debt was previously a credit card account with a company I’ll refer to as A. They assigned the de... (3 pages)View decision -
Decision Reference DRN0104963
22 Mar 2017 Ulster Bank Ltd Not upheldBanking and creditMr L complains that Ulster Bank Ltd refused to accept an offer of £21,000 in full and final settlement of a debt he has with them. He is also unhappy that they haven’t provided him with the original loan agreement and he questions the validity of charges Ulster ... (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 DRN2752462
12 Jan 2017 Vanquis Bank Limited Not upheldBanking and creditMr T complains that Vanquis Bank Limited duplicated a default registration on his credit file.backgroundVanquis passed Mr T’s account to a debt collection company in 2014 for non-payment. It later took the account back in-house, prior to selling it.Mr T says he contac... (2 pages)View decision -
Decision Reference DRN-2751366
14 Sep 2021 Cabot Financial (Europe) Limited Not upheldConsumer CreditDRN-2751366 The complaint Mr R complains Cabot Financial (Europe) Limited told him that his debt was statute barred but this wasn’t correct. What happened Mr R has a number of accounts with Cabot. But this complaint only concerns one of those them, a former credit card account. In Novembe... (2 pages)View decision