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 71523 results
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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 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 DRN9579228
15 Jan 2016 Bank of Scotland Plc Not upheldBanking and creditMr J complains that following the sale of his debt by Bank of Scotland plc, defaults relating to the accounts he previously held with the bank are shown twice on his credit file.backgroundIn 2010 Bank of Scotland recorded defaults against each of Mr J’s accounts o... (4 pages)View decision -
Decision Reference DRN9331934
7 Oct 2016 Foundation for Credit Counselling Not upheldBanking and creditMiss S complains that a debt management plan was mis-sold to her by Foundation for Credit Counselling, trading as StepChange. She is being helped with her complaint by a representative. backgroundMiss S asked StepChange for advice about her debts in April 2013 and ... (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 DRN2818666
24 Aug 2016 Debt Advisory Line Limited Not upheldBanking and creditMrs P complains that Debt Advisory Line Limited didn’t make her aware of free alternatives when she contacted it for help with her debts. She is being helped with her complaint by a representative.backgroundMrs P contacted Debt Advisory Line in 2013 for help with her... (2 pages)View decision -
Decision Reference DRN4862552
7 Mar 2017 Cabot Financial (Europe) Limited Not upheldBanking and creditMr S complains that Cabot Financial (Europe) Limited, (“CFL”), has failed to send him the original credit agreement and full details of all payments and charges in relation to two debts it’s pursuing him for.backgroundMr S had a credit card account with a credit card p... (3 pages)View decision -
Decision Reference DRN1008296
10 Dec 2014 Capquest Debt Recovery Limited Not upheldBanking and creditMr T complains that Capquest Debt Recovery Limited (‘Capquest’) is trying to recover a debt from him which he does not remember. In summary, he says that he has paid off his debts and he would like this account taken off his record and any adverse information removed from his credit fi... (2 pages)View decision -
Decision Reference DRN-3376506
16 Mar 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3376506 The complaint Miss A contacted us as she was unhappy with the service provided by Bank of Scotland Plc (trading as Halifax) and what they had paid her as compensation. What happened Miss A told us she owed Halifax £469.00. She didn’t want to use the automated pay system when ma... (4 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
