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 70772 results
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Decision Reference DRN-3425644
31 May 2022 Debt Managers (Services) Limited UpheldConsumer CreditDRN-3425644 The complaint Miss P has complained that Debt Managers (Services) Limited continued to chase her for a fraudulent debt, even when they agreed it wasn’t hers. What happened This complaint is about a consumer credit account that was taken out in 2015 and sold to Debt Managers in ... (3 pages)View decision -
Decision Reference DRN7402832
13 Dec 2017 Lloyds Bank PLC Not upheldBanking and creditMr W complains he’s been harassed by multiple debt collecting agents acting on behalf of Lloyds Bank plc. He disputes he owes the debt and doesn’t think he should be chased for it.backgroundMr W tells us he’s been harassed by several debt collecting agencies acting on ... (2 pages)View decision -
Decision Reference DRN6711030
27 Jul 2018 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)Mr A is unhappy with how National Westminster Bank Plc (“NatWest”) resolved his complaint about the mis-sale of a payment protection insurance (“PPI”) policy.backgroundI issued my provisional decision on 28 June 2018. A copy of my provisional decision is attached and fo... (5 pages)View decision -
Decision Reference DRN0414771
30 Mar 2019 Foundation for Credit Counselling Not upheldBanking and creditMr B’s complained that Foundation for Credit Counselling (FCC) made a mistake when setting up his debt relief order (DRO).backgroundWhen Mr B was contacted by creditors asking him to pay a debt of £1,500 he realised it hadn’t been included in his DRO. He complain... (2 pages)View decision -
Decision Reference DRN7298218
15 May 2019 Lowell Financial Ltd Not upheldBanking and creditMr H complains that Lowell Financial Ltd wrongly registered a debt on his credit file even though he had already repaid it in full.backgroundIn July 2014 Mr H took out a loan, which he defaulted on in June 2015. He says that he repaid the outstanding balance in ful... (2 pages)View decision -
Decision Reference DRN7925805
8 Jul 2014 Pentagon (UK) Limited Not upheldBanking and creditMiss W and Mr T complain that: Pentagon (UK) Limited (trading as EuroDebt Financial Services) failed to tell them that their lender was unlikely to agree to freeze interest if they entered into a debt management plan, and when it did in fact refuse to do so; and the debt managem... (3 pages)View decision -
Decision Reference DRN-4318416
27 Sep 2023 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-4318416 The complaint Mr G complains about legal action Cabot Credit Management Group Limited intends to take in relation to a credit card debt. What happened Mr G had a credit card with a business I’ll call N that was closed at default in June 2022. Cabot purchased the debt from N in ... (3 pages)View decision -
Decision Reference DRN-1576360
30 Mar 2020 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-1576360 The complaintMr P complains that Shop Direct Finance Company Limited (“Shop Direct”): held him responsible for repaying debts on credit accounts which his ex-wife, without his knowledge or consent, opened and operated in his name; and placed defaults and other markers against... (3 pages)View decision -
Decision Reference DRN4750010
19 Dec 2014 Think Loans and Mortgages Limited Not upheldBanking and creditMiss Q’s complaint relates to the advice she received from Think Loans and Mortgages Limited (hereafter referred to as TLM) in 2007. This advice related to the purchase of a property under the right-to-buy (RTB) scheme. Miss Q’s representative has said that this was inappropriate due ... (3 pages)View decision -
Decision Reference DRN9767214
6 May 2015 American Express Services Europe Limited Not upheldBanking and creditMr L complains about a debt with American Express Services Europe Limited and is unhappy about the debt still showing on his credit file. He believes the debt is statute barred and it should therefore no longer be showing with the credit reference agencies. backgrou... (2 pages)View decision
