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 70370 results
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Decision Reference DRN3858828
11 Dec 2019 Cabot Credit Management Group Limited UpheldBanking and creditMr T has complained about three credit card debts of his that have purportedly been assigned to Cabot Credit Management Group Limited (‘Cabot’). He’s unhappy about the lack of information he’s received from Cabot about the debts and how much he owes. backgroundThere are three debts, under ... (2 pages)View decision -
Decision Reference DRN2846172
30 Jul 2019 Lloyds Bank PLC UpheldBanking and creditMrs F complains that Lloyds Bank PLC made errors in providing information to her debt management company with the result that she made payments to two debts instead of to just one.backgroundI should say at the outset that Lloyds has raised jurisdiction issues about this case, which have be... (3 pages)View decision -
Decision Reference DRN1972238
22 Feb 2016 MKDP LLP Not upheldBanking and creditMr S complained that two debts, for which MKDP LLP was pursuing him, were statute barred under the Limitation Act 1980. backgroundMr S had two accounts with a bank. These accounts defaulted and were sold to the debt recovery company MKDP. MKDP pursued Mr S for the ... (2 pages)View decision -
Decision Reference DRN2813403
6 Aug 2015 The Royal Bank of Scotland Plc UpheldBanking and creditMr A complains that The Royal Bank of Scotland Plc (“RBS”) is demanding payment on a debt which was paid off in 2014. He says the RBS accepted the payment as full and final settlement of the debt. our initial conclusionsOur adjudicator thought the settlement suggested by RBS to ... (2 pages)View decision -
Decision Reference DRN0451395
23 Apr 2015 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)Mrs P’s complaint concerns a loan and an associated payment protection insurance (PPI) policy taken with National Westminster Bank Plc. She’s unhappy that NatWest applied PPI mis-sale redress to the arrears on her loan account. our initial conclusionsOur adjudicator did n... (2 pages)View decision -
Decision Reference DRN-3157770
30 Mar 2022 Lowell Financial Ltd UpheldConsumer CreditDRN-3157770 The complaint Mr S complains about Lowell Financial Ltd (“Lowell”) for the way it has continued to report to his credit file debts which he will not be able to repay. He wants Lowell to report these as settled, rather than partially settled. What happened In 2016, Mr S was defr... (2 pages)View decision -
Decision Reference DRN6940336
10 Jun 2014 Lloyds Bank PLC Not upheldBanking and creditMr V complains that Lloyds Bank PLC wants him to repay a debt jointly owed with his ex-wife. He says he has paid back his part of the debt. Further, Lloyds has not provided him with enough information about the debt. backgroundthe debtMr V opened a Lloyds current account with his ex-wife... (2 pages)View decision -
Decision Reference DRN3862533
24 Aug 2018 Christians Against Poverty Not upheldBanking and creditMs W is unhappy with how Christians Against Poverty ‘CAP’ have handled her debts.backgroundIn August 2016 Ms W contacted CAP for support handling her debts. At this time she owed money on her council tax, to two utility companies and had three other outstanding deb... (5 pages)View decision -
Decision Reference DRN-4958477
21 Aug 2024 London Community Credit Union Limited UpheldConsumer CreditDRN-4958477 The complaint Ms K complains that London Community Credit Union Limited (“LCCU”) continued to pursue her for a debt which was included in her Debt Relief Order. What happened Ms K held a loan with LCCU. In May 2022 she applied for a Debt Relief Order (DRO). Her application w... (2 pages)View decision -
Decision Reference DRN-3240334
6 Jan 2022 Hoist Finance UK Limited Not upheldConsumer CreditDRN-3240334 The complaint Mrs M has complained that Hoist Finance UK Limited are pursuing her for a debt which she says she cleared through a debt management plan. What happened This complaint is about an unsecured loan from a business I’ll refer to as “H”. The loan started in 2005 and def... (3 pages)View decision
