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 77331 results
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Decision Reference DRN-1697221
18 Dec 2020 Bank of Scotland Plc Not upheldMortgagesDRN-1697221 The complaint Mr C complained that Bank of Scotland plc, trading as Halifax, didn’t treat him fairly when it possessed his property. The property was sold in possession but there was a balance outstanding. Mr C wants Halifax to write off this debt. What happened Mr C said he lo... (4 pages)View decision -
Decision Reference DRN-5290217
31 Jan 2025 Marks & Spencer Financial Services plc UpheldConsumer CreditDRN-5290217 The complaint Mrs W has complained through a representative that Marks & Spencer Financial Services Plc (“M&S") gave her loans without carrying out proportionate affordability checks. Had better checks been made than M&S would’ve discovered the loans weren’t... (6 pages)View decision -
Decision Reference DRN-1419123
25 Jul 2020 Debt Managers (Services) Limited Not upheldConsumer CreditDRN-1419123 The complaintMr B complains Debt Managers (Services) Limited (DMSL) has wrongly reported the date of a default to credit reference agencies (CRA’s). He asks for the default date to be backdated. What happenedMr B held an account with a third-party company I’ll call company “S”... (3 pages)View decision -
Decision Reference DRN-4064662
14 Sep 2023 Barclays Bank UK PLC Not upheldConsumer CreditDRN-4064662 The complaint Mr A complains that Barclays Bank UK PLC (“Barclays”) chased him for payment, continued to apply interest to his loan and defaulted his account during a period of breathing space. What happened Mr A had a loan account with Barclays, which fell into arrears. He say... (3 pages)View decision -
Decision Reference DRN8047518
15 Dec 2016 Clydesdale Financial Services Limited Not upheldBanking and creditMr N complains that Clydesdale Financial Services Limited, trading as Barclays Partner Finance (BPF) has passed his outstanding debt onto a debt recovery agent.backgroundEarlier in 2016, Mr N brought a complaint to this service querying his liability for a debt owed to BP... (2 pages)View decision -
Decision Reference DRN6961831
16 Aug 2013 Vanquis Bank Limited UpheldBanking and creditMs B complains about the way in which Vanquis Bank Limited handled her request for assistance with her financial difficulties.backgroundMs B had to give up work following a significant change in her personal circumstances. Because of this, she started to have difficulty in meeting her ... (3 pages)View decision -
Decision Reference DRN0778862
21 May 2015 Cabot Financial (Europe) Limited Not upheldBanking and creditMr V complains that Cabot Financial (Europe) Limited (the business) recorded a default on his credit file while he was maintaining his payments under a repayment plan. He says that he did not receive any letters saying that his account was in arrears or that a default ... (2 pages)View decision -
Decision Reference DRN-2981273
28 Sep 2021 Oplo PL Ltd UpheldConsumer CreditDRN-2981273 The complaint Mr S complains that Oplo PL Ltd (when it was trading as 1 st Stop Personal Loans Limited) irresponsibly provided him with an unaffordable loan. (To keep things simpler, I’ll refer to the lender as ‘1 st Stop’). What happened 1st Stop provided Mr S with a loan as f... (4 pages)View decision -
Decision Reference DRN8959550
24 Sep 2014 Arrow Global Limited Not upheldBanking and creditMr N complains that Arrow Global Limited is pursuing him for a debt on a credit card account that is not his.Further, he complains that, in any event, Arrow has not shown it owns the debt.our initial conclusions Our adjudicator did not consider that the complaint should be upheld. She wa... (1 page)View decision -
Decision Reference DRN1228005
18 Nov 2014 Lloyds Bank PLC Not upheldBanking and creditMr M complains that Lloyds Bank plc transferred his debt to a third party even though he had a repayment plan in place and that he has been harassed for the repayment.backgroundMr M fell into financial difficulties. He sent the bank an income and expenditure form in April 2013 and ... (2 pages)View decision