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-3196832
28 Jun 2022 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-3196832 The complaint Mr C complains about the communication from Lantern Debt Recovery Services Ltd regarding a debt he owed. What happened Mr C explains he had a debt with a lender, who I’ll call O, and put in an irresponsible lending complaint. He says O told him they’d ask Lantern ... (2 pages)View decision -
Decision Reference DRN-4090600
19 May 2023 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-4090600 The complaint Mr O complains that Lowell Portfolio I Ltd is unfairly pursuing him for an outstanding debt. What happened Lowell purchased a credit card debt in Mr O’s name from a business I’ll call V in September 2020 and sent him a Notice of Assignment to confirm the new arran... (2 pages)View decision -
Decision Reference DRN0495440
10 Nov 2017 Bank of Scotland Plc Not upheldBanking and creditMs C complains about how Bank of Scotland plc handled her request for information and how it dealt with her complaint. backgroundMs C received letters from debt collection agents asking her to pay an outstanding loan debt. She complained to the recovery agent and asked it... (2 pages)View decision -
Decision Reference DRN3117980
19 May 2016 Lending Stream Limited Not upheldBanking and creditMr J complains that Lending Stream LLC’s (“LSL”) affordability checks were inadequate andbecause of this it failed to realise that he was in financial difficulties when it lent him twoloans.backgroundMr J took out two loans with LSL. He borrowed £120 on 6 February 2... (4 pages)View decision -
Decision Reference DRN8406514
4 Apr 2016 Bank of Scotland Plc UpheldBanking and creditMr L complains that Bank of Scotland plc (trading as Halifax) asked him to repay a debt that had already been settled.backgroundMr L entered in to an Individual Voluntary Arrangement (IVA) in 2008. The IVA ended in 2013 but the final completion paperwork wasn’t sent out... (2 pages)View decision -
Decision Reference DRN-3555596
27 Jul 2022 MotoNovo Finance Limited Not upheldConsumer CreditDRN-3555596 The complaint Mr A complains that MotoNovo Finance Limited (“MotoNovo”) were wrong to report a default to his credit file. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll focus on giving my reasons for ... (2 pages)View decision -
Decision Reference DRN0364368
8 Nov 2017 Provident Personal Credit Limited Not upheldBanking and creditMiss C complains on behalf of her father, Mr C, that Provident Personal Credit Limited (Provident) did not authorise a change of authority on her father’s account quickly enough. She says that this led to him being stressed by Provident contacting him about his debt... (2 pages)View decision -
Decision Reference DRN3591983
26 May 2015 Arrow Global Accounts Management Limited Not upheldBanking and creditMs M complains about the debt collection activities of Arrow Global Accounts Management Limited (AGL).. BackgroundMs M’s complaint relates to a former bank overdraft. The account was defaulted and the original lender sold the account to another business in October 2007. ... (2 pages)View decision -
Decision Reference DRN-4430684
14 Nov 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4430684 The complaint Miss A complains that Barclays Bank UK PLC (Barclays) hasn’t communicated with her about a debt it says has been outstanding since 2014, leaving her facing unexpected financial consequences. What happened Miss A opened a student account with Barclays in July 2006.... (3 pages)View decision -
Decision Reference DRN-3116150
22 Oct 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3116150 The complaint Miss T complains that NewDay Ltd lent to her irresponsibly. What happened Miss T complained about the card that NewDay opened for her in 2016. She told us she was in a seriously bad financial situation then with a poor credit rating, multiple payday loans, one aft... (5 pages)View decision