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 70898 results
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Decision Reference DRN-2158927
8 Feb 2021 Home Retail Group Card Services Limited Not upheldConsumer CreditDRN-2158927 The complaint Miss B complains that payments she was making to a store card, she had with Home Retail Group Card Services Limited (trading as Argos Card Services “Argos”), were mishandled. Miss B also says that Argos unfairly referred her account to a debt collection agency. Wh... (3 pages)View decision -
Decision Reference DRN-1908413
3 Jul 2020 Gain Credit LLC UpheldConsumer CreditDRN-1908413 The complaintMr D complains that Gain Credit LLC (trading as Lending Stream) lent to him irresponsibly.What happenedMr D took out a total of four loans with Lending Stream between January and May 2018.Loan no. Date borrowedAmountDate repaid 1 17.01.18£100.0019.01.18 2 28.01.18... (3 pages)View decision -
Decision Reference DRN-2981010
31 Aug 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2981010 The complaint Mr P complains about lending made to him by Barclays Bank UK PLC trading as Barclaycard. He said it made a huge increase in his credit limit, and he could never have afforded to pay this money back. What happened Barclays has recently conducted a review of a numbe... (3 pages)View decision -
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 DRN2257268
29 Jul 2014 Lloyds Bank PLC Not upheldBanking and creditMrs D complains Lloyds Bank PLC 1.was irresponsible to lend to her and exaggerated her income;2.gave her poor advice about restructuring existing debts; and3.didn’t assess properly whether she could afford repayments.backgroundIn 2005 Lloyds provided Mrs D with a loan for a five figur... (2 pages)View decision -
Decision Reference DRN7820915
16 Apr 2020 Arrow Global Limited Not upheldBanking and creditMr B complains that Arrow Global Limited wrongly obtained a County Court Judgement (“CCJ”) against him for a debt by using an old address for service which didn’t comply with the Civil Procedure Rules for service (“CPR 6.9”) backgroundIn 2004 Mr B took out a credit card with a bank but unf... (4 pages)View decision -
Decision Reference DRN-3204997
8 Dec 2021 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3204997 The complaint Mr D has complained about The Royal Bank of Scotland Plc (RBS) adding interest and charges onto an overdraft debt, defaulting it, and passing it to debt collectors. What happened This complaint is about an overdraft on a current account. In 2017, Mr D suffered fro... (4 pages)View decision -
Decision Reference DRN8805980
22 Nov 2018 Cabot Credit Management Group Limited Not upheldBanking and creditMr E complains that Cabot Credit Management Group Limited didn’t deal correctly with a debt it bought from another business. backgroundMr E had a credit card account with a business I will call N. This was opened in February 2017 and closed in December 2017. Cabot says... (3 pages)View decision -
Decision Reference DRN4406675
30 Sep 2015 Liverpool Victoria Friendly Society Limited Not upheldPayment protection insurance (PPI)Mr W’s complaint is about mis-sale of a payment protection insurance (PPI) policy and the way Liverpool Victoria Friendly Society Limited (Liverpool Victoria) plans to use the compensation it has offered to put this right.backgroundMr W complained that Liverpool Vict... (2 pages)View decision -
Decision Reference DRN-3815722
3 Feb 2023 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-3815722 The complaint Mr J complains about how Sainsbury's Bank Plc (“Sainsbury’s”) dealt with his financial difficulties and that it reported his account as being in default. What happened In 2021, Mr J got in touch with a debt charity to help him with his financial difficulties.... (3 pages)View decision
