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 DRN4564554
8 Apr 2015 MKDP LLP UpheldBanking and creditMr G complains that MKDP LLP wrongly pursued him for a settled debt and put a default on his credit file.backgroundMr G’s loans with the original lender were settled. The loans were sold to MKDP, who chased him for payment and registered a default on his credit file... (1 page)View decision -
Decision Reference DRN5847624
13 Sep 2018 Lowell Financial Ltd Not upheldBanking and creditMr L complains that Lowell Financial Ltd placed a default marker on his credit file.backgroundMr L had an account with a bank I will call N. He had an outstanding balance which he didn’t pay. He says he wasn’t aware of this debt and so it remained unpaid. N regi... (2 pages)View decision -
Decision Reference DRN8004868
6 Dec 2013 Wescot Credit Services Limited Not upheldBanking and creditMr W complains that Westcot Credit Services Limited obtained a county court judgment against him for a debt that was statute barred. He also complains that Westcot failed to take reasonable steps to trace him, meaning he was unaware of the court action and was unable to defend it. back... (2 pages)View decision -
Decision Reference DRN1370000
9 Nov 2016 Paragon Finance Plc Not upheldBanking and creditMr S complains that Paragon Finance PLC (trading as Moorgate Loan Servicing) isn’t reporting his account correctly. He says it should be reported with its original credit limit. He wants his credit file amended. backgroundMoorgate said in its final response that when t... (2 pages)View decision -
Decision Reference DRN-4705200
25 Mar 2024 Lloyds Bank PLC UpheldConsumer CreditDRN-4705200 The complaint Mr W complains, on behalf of the estate of his late mother Mrs P, that Lloyds Bank Plc lent the late Mrs P a personal loan irresponsibly. What happened Mrs P took out a personal loan with Lloyds in 2010. The loan was for £7,500.00 over 84 months, with an APR of 11... (4 pages)View decision -
Decision Reference DRN-5527448
16 May 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5527448 The complaint Mr K complains about being contacted regarding a credit card debt originally accrued with Barclays Bank UK Plc trading as Barclaycard. What happened Mr K had a credit card account with Barclaycard. This fell into arrears, and Barclaycard sold the account to a d... (2 pages)View decision -
Decision Reference DRN-4586622
23 Feb 2024 Paratus AMC Limited UpheldMortgagesDRN-4586622 The complaint Ms C complains that Paratus AMC Limited is now asking her to pay the shortfall for a mortgage. She told us that the shortfall must date back to around 2007 or 2008, and Paratus hasn’t been in touch about this debt for many years. What happened This decision deals ... (5 pages)View decision -
Decision Reference DRN0331491
30 Sep 2015 Cheltenham & Gloucester plc Not upheldBanking and creditMr and Mrs D complain via a Claims Management Company (CMC) that Cheltenham & Gloucester Plc (C&G) mis-sold them two mortgages.backgroundIn 2003 Mr and Mrs D met with a Lloyds Bank representative for an “account review”. Mr and Mrs D say as a result of the ... (3 pages)View decision -
Decision Reference DRN2702124
27 Apr 2020 Bank of Scotland Plc Not upheldBanking and creditMr C is unhappy that he has been contacted by debt collection agents (which I will refer to as M) who are asking him to pay approximately £31,000 for a mortgage shortfall debt owed to Bank of Scotland plc (trading as Halifax). Mr C has been helped in bringing his complaint by Ms B. For ea... (3 pages)View decision -
Decision Reference DRN-5731667
10 Sep 2025 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-5731667 The complaint Mr Q complains Capquest Debt Recovery Limited sent him a letter saying they owned a debt in his name which was unsolicited. Mr Q’s unhappy Capquest didn’t provide the credit agreement and other documents when first contacting him. What happened From the informa... (3 pages)View decision