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 DRN5873234
16 Jun 2016 Barclays Bank Plc Not upheldBanking and creditMr R complains that Barclays Bank Plc has not treated him fairly in that it has registered a default on his credit file for a credit card account which he did not realise had been transferred to Barclays. He says Barclays did not tell him of its acquisition of ... (2 pages)View decision -
Decision Reference DRN-2465791
7 Jan 2021 NewDay Ltd UpheldConsumer CreditDRN-2465791 The complaint Mr C complains that NewDay Limited (NewDay) sold his debt to a debt collection agency without giving notice and while an agreed payment plan was in place. What happened Mr C had a loan account with NewDay and due to a change in his financial circumstances he agree... (3 pages)View decision -
Decision Reference DRN-3989164
4 Jul 2023 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-3989164 The complaint Mrs G complains that Lantern Debt Recovery Services Ltd (Lantern) purchased her debt of a loan from the administrators of the loan company, when it was still in dispute, and are pursuing recovery of the debt. What happened Mrs G took out a loan with a loan company... (2 pages)View decision -
Decision Reference DRN7878373
21 May 2019 Haringey District Citizens Advice Bureaux Not upheldBanking and creditMiss A complains that Haringey District Citizens Advice Bureaux (“Haringey CAB”) were wrong to tell her to include a debt on her Debt Relief Order (DRO).backgroundMiss A visited Haringey CAB in May 2016 for advice about managing her debts. They arranged a DRO for he... (2 pages)View decision -
Decision Reference DRN0396472
20 Mar 2015 Lowell Financial Ltd Not upheldBanking and creditMr F complains that Lowell Financial Ltd has wrongly placed a default on his credit file.backgroundMr F had a debt with his bank that he did not pay. The bank defaulted the account and recorded this on Mr F’s credit file. Mr F explains that the debt was in dispute... (1 page)View decision -
Decision Reference DRN8285950
12 Mar 2014 Capital One (Europe) plc UpheldBanking and creditMr C complains that Capital One (Europe) plc wants him to repay a credit card debt that he ran up after asking it to close his account.backgroundIn 2011/12 Mr C suffered a period of financial difficulty resulting, at least in part, from a gambling addiction. In August 2012 Mr C’s fathe... (2 pages)View decision -
Decision Reference DRN6159924
9 Sep 2019 National Westminster Bank Plc Not upheldBanking and creditMrs K complains National Westminster Bank Plc is pursuing her for a debt on a joint account she didn’t open. She says she was added to the account fraudulently by her ex-husband - Mr K. She also considers the account statute barred as she has never acknowledged the debt as being hers. back... (3 pages)View decision -
Decision Reference DRN0100524
6 May 2015 Bank of Scotland Plc Not upheldBanking and creditMr L complains about a debt he has with Bank of Scotland plc. He believes the debt is statute barred and is unhappy that the account still shows as a defaulted account on his credit file.backgroundMr L took out an account with the bank in 2005. Payments to the acco... (2 pages)View decision -
Decision Reference DRN0642649
13 Jun 2018 WorldPay (UK) Limited Not upheldBanking and creditO, a limited company, complains about action that WorldPay (UK) Limited took to recover an outstanding debt. O’s complaint is brought by Mr D.background O rents a payment card reader from WorldPay, and uses the services of WorldPay to process credit and debit card paym... (4 pages)View decision -
Decision Reference DRN7358144
30 Sep 2014 MBNA Limited Not upheldBanking and creditMs W complains MBNA Limited defaulted an account and agreed to write off the debt buthas gone back on this.background I issued a provisional decision about this complaint on 15 August 2014. The complaint concerns two debts that Ms W says she settled with money she received following h... (1 page)View decision