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 74313 results
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Decision Reference DRN-3783744
12 Dec 2022 Barclays Bank UK PLC Not upheldConsumer CreditDRN-3783744 The complaint Ms G is complaining that Barclays Bank UK PLC is asking her to repay debts that she says it previously wrote off. What happened The facts of this complaint are well known to all parties, so I won’t set them out in detail. But, in summary, Ms G is complaining Barcl... (2 pages)View decision -
Decision Reference DRN-3731148
8 Nov 2022 Foundation for Credit Counselling UpheldConsumer CreditDRN-3731148 The complaint Miss S complains that Foundation for Credit Counselling trading as Stepchange made mistakes when setting up a Debt Relief Order (DRO). What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: In 201... (4 pages)View decision -
Decision Reference DRN2024178
26 Feb 2016 1st Credit Limited UpheldBanking and creditE has complained that 1st Credit Limited is unfairly pursuing it for a debt. It says the debt hasn’t been proved, and that it’s unfair to be considering taking the former matrimonial home into account as a potential way of recouping the amount owed.backgroundE is t... (2 pages)View decision -
Decision Reference DRN6147728
22 Mar 2016 Barclays Bank Plc Not upheldBanking and creditMr H complains that Barclays Bank PLC (trading as Barclaycard) is demanding payment of a credit card debt he thought he’d paid in full.backgroundMr H says he took a loan to pay off his credit card and didn’t think he owed any money. He hadn’t had any contact from the... (2 pages)View decision -
Decision Reference DRN8847625
19 Dec 2013 NEO Media Solutions Limited UpheldBanking and creditMiss D complains that NEO Media Solutions Limited (trading as One Debt Solution) failed to administer her debt management plan appropriately.our initial conclusionsOur adjudicator upheld the complaint. He concluded that One Debt Solution failed to meet the requirements of the Offic... (2 pages)View decision -
Decision Reference DRN-2083039
28 Aug 2020 Lowell Portfolio I Ltd UpheldBanking and PaymentsDRN-2083039The complaintMiss L complains that Lowell Portfolio I Ltd placed a default on her credit file in relation to a debt that isn’t hers. Miss L also complains that she wasn’t sent certified copies of the original credit agreement, default notices and notice of assignment from the or... (3 pages)View decision -
Decision Reference DRN-4566510
18 Jan 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4566510 The complaint Mrs T complains Barclays Bank UK PLC transferred her overdraft debt to a debt collector while a complaint was ongoing. Mr and Mrs T are on this complaint, but as this issue only relates to Mrs T’s concerns, I’ve mainly mentioned her in this decision. What happened... (2 pages)View decision -
Decision Reference DRN4073310
4 Dec 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMr U and Mr W through their solicitor B complain that A, an appointed representative of Legal & General Partnership Services Limited, gave unsuitable advice to pay unsecured debts using a mortgage (“consolidation”) and caused them financial loss. They want compensation... (2 pages)View decision -
Decision Reference DRN4024151
9 Jan 2014 Lloyds Bank PLC Not upheldBanking and creditMrs B complains that Lloyds Bank PLC (previously Lloyds TSB Bank plc) wrongly lent her £20,000 when her monthly income was too low to afford that amount. She also complains that the loan was used by the bank to repay existing credit card debts belonging to her and her husband, rather ... (2 pages)View decision -
Decision Reference DRN5009422
5 Sep 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs J complain that they were given unsuitable mortgage advice by The Royal Bank of Scotland Plc (RBS). our initial conclusionsOur adjudicator didn’t recommend the complaint should be upheld. She was satisfied that these were non-advised sales but that, even if advice had bee... (2 pages)View decision
