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 69711 results
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Decision Reference DRN-5275628
4 Mar 2025 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-5275628 The complaint Mr O complains Lowell Portfolio I Limited are asking him to repay two debts for accounts he says he never took out. What happened Mr O received contact from Lowell about both debts, but not recognising them he asked Lowell to evidence the debts belonged to him,... (2 pages)View decision -
Decision Reference DRN7485284
9 Sep 2016 Kapama Limited UpheldBanking and creditMr C complains that Kapama Limited didn’t follow the correct procedures when his debt for a payday loan was transferred to it from a previous company. He wants his debt written off and removed from his credit file. He’s also unhappy that a default was recorded on his... (2 pages)View decision -
Decision Reference DRN-3132233
29 Oct 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3132233 The complaint Mr J complains that NewDay Ltd trading as Aqua has registered a default against his account without contacting him to set up a repayment plan. What happened Mr J contacted Aqua on 11 December 2019 to inform them he was suffering financial difficulties due to a per... (4 pages)View decision -
Decision Reference DRN7845672
28 May 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMr T complains about how Cabot Credit Management Group Limited responded to his request to remove a charging order.backgroundMr T told us that he jointly owned a property with his ex-partner. He said that there was a declaration of trust in place that meant he was on... (3 pages)View decision -
Decision Reference DRN9006473
19 Aug 2015 Haydon Associates Debt Management Consultants Ltd UpheldBanking and creditMiss C, who is represented by a third party, complains Haydon Associates Debt Management Consultants Ltd (trading as “Resolve Money Matters”) mis-sold its debt reduction plan to her.backgroundMiss C says she agreed with Resolve Money Matters that it would manage her ... (2 pages)View decision -
Decision Reference DRN-3095683
1 Nov 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3095683 The complaint Mr B complained that Bank of Scotland plc (“BoS”) had decided to make a refund from an old credit card account that was closed many years ago. But instead of paying the money to him, BoS paid it to the company that had bought this debt from BoS. What happened Mr B... (3 pages)View decision -
Decision Reference DRN8231666
8 Jan 2015 Debts Reduced Ltd UpheldBanking and creditMrs A complains about a debt management plan she entered into with Debts Reduced Ltd. She says she was not fully informed about the charges that would be applied to the plan and she is unhappy about the amounts that have actually been passed on to her creditors. backgroundThe complain... (2 pages)View decision -
Decision Reference DRN5493569
14 Aug 2015 The Funding Corporation Limited UpheldPayment protection insurance (PPI)Mrs B has complained about the way The Funding Corporation Limited (“TFC”) has used the compensation it agreed to pay her following a complaint about the sale of a payment protection insurance (“PPI”) policy.backgroundMrs B took out a loan for £10,000 in 2005 and she to... (3 pages)View decision -
Decision Reference DRN-3379102
23 Mar 2022 Barclays Bank UK PLC UpheldMortgagesDRN-3379102 The complaint Mrs L complains that Barclays Bank UK PLC threatened her with court action to take possession of her property, for a debt which isn’t hers and despite knowing about her health and financial situation. What happened Mrs L has a Barclays mortgage with her now ex-hus... (6 pages)View decision -
Decision Reference DRN1105478
20 Nov 2013 Northern Debt Recovery Limited UpheldBanking and creditMiss T complains that Northern Debt Recovery Limited debited her account without her authority, and after she had told it that she was in financial difficulty.backgroundMiss T took out a short-term loan for £300 in 2011. When the loan was not fully repaid on time, Miss T agreed to a rep... (2 pages)View decision
