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 DRN5423064
3 May 2013 Barclays Bank Plc Not upheldBanking and creditMr G complains that Barclays Bank Plc (“Barclays”) chased him to repay a debt he did not owe, causing him significant distress and inconvenience. Mr G asks that Barclays stops chasing him for the debt, corrects any negative information on his credit reference files and pays compen... (2 pages)View decision -
Decision Reference DRN0655798
4 Jul 2014 Hillesden Securities Limited Not upheldBanking and creditMs T complains that Hillesden Securities Limited (trading as Direct Legal & Collections) has not given her enough information to show that it purchased her loan.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. He considered that t... (2 pages)View decision -
Decision Reference DRN-2501945
19 Nov 2021 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-2501945 The complaint Miss B complains about the steps AvantCredit of UK, LLC has taken in redressing her for a loan it shouldn’t have lent to her. What happened Miss B complained to Avantcredit about two high cost credit loans it sold to her. AvantCredit upheld her complaint about the... (2 pages)View decision -
Decision Reference DRN0711454
17 Nov 2016 Money Debt And Credit Limited Not upheldBanking and creditMr M complains that Money Debt And Credit Limited (“MDC”) mis-sold him a debt management plan. The complaint is brought on his behalf by a claims management company.backgroundMr M sought advice from MDC in January 2013 because he was having difficulty meeting his month... (2 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 DRN3610710
31 Mar 2016 National Westminster Bank Plc UpheldBanking and creditMr J complains that National Westminster Bank Plc is unfairly asking him to repay a loan, because it hasn’t been in contact with him about for more than six years. backgroundI issued a provisional decision on this complaint in December. A copy is attached. NatWest ha... (5 pages)View decision -
Decision Reference DRN-3145516
5 Nov 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3145516 The complaint Mr A complained about Barclays Bank UK PLC. A fraudster opened an account in Mr A’s name, and built up a debt, for which debt collectors then chased Mr A. Mr A complained that Barclays: - didn’t take proper care when it opened the fraudulent account – for example... (5 pages)View decision -
Decision Reference DRN-1865505
30 Sep 2020 Link Financial Outsourcing Limited UpheldConsumer CreditDRN-1865505 The complaint Mrs I has complained about Link Financial Outsourcing Limited’s delay in responding to her settlement offer. What happened In April 2019, Mrs I had an outstanding balance of £6,179.25. She wrote to Link with a full and final settlement offer of £3,090. Link did no... (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 DRN7824805
19 Jun 2014 Microcredit Limited UpheldBanking and creditMr V and his representative complain that Microcredit Limited (trading as MiniCredit) should not have granted him a loan, it was unaffordable and about how it has treated him when experiencing mental health issues and financial difficulties.backgroundMr V applied online to MiniCredit fo... (3 pages)View decision