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 70370 results
-
Decision Reference DRN-3157770
30 Mar 2022 Lowell Financial Ltd UpheldConsumer CreditDRN-3157770 The complaint Mr S complains about Lowell Financial Ltd (“Lowell”) for the way it has continued to report to his credit file debts which he will not be able to repay. He wants Lowell to report these as settled, rather than partially settled. What happened In 2016, Mr S was defr... (2 pages)View decision -
Decision Reference DRN2813403
6 Aug 2015 The Royal Bank of Scotland Plc UpheldBanking and creditMr A complains that The Royal Bank of Scotland Plc (“RBS”) is demanding payment on a debt which was paid off in 2014. He says the RBS accepted the payment as full and final settlement of the debt. our initial conclusionsOur adjudicator thought the settlement suggested by RBS to ... (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 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 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 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 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 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 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
