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 DRN1294944
30 Sep 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr B complains that Harrington Brooks (Accountants) Limited, trading as Harrington Brooks Debt Management, (“HB”), didn’t provide him with satisfactory advice when he took out a debt management plan (“DMP”) with it. The complaint is brought to this service on Mr B’s beh... (2 pages)View decision -
Decision Reference DRN-3140376
4 Nov 2021 American Express Services Europe Limited UpheldBanking and PaymentsDRN-3140376 The complaint Mr E is unhappy that American Express Services Europe Limited (“Amex”) suspended his account on the basis of persistent debt. What happened Amex sent Mr E several letters regarding his account being considered as being in a state of persistent debt. One of these l... (4 pages)View decision -
Decision Reference DRN-4447626
23 Nov 2023 BPO Collections Limited Not upheldConsumer CreditDRN-4447626 The complaint Mr M complains BPO Collections Limited have harassed him about a statute barred debt. He also says they’ve breached the General Data Protection Regulations (GDPR). What happened My understanding is Mr M purchased a laptop on a credit agreement through a company wh... (2 pages)View decision -
Decision Reference DRN4644891
30 Oct 2015 National Westminster Bank Plc Not upheldBanking and creditMr T complains about a National Westminster Bank Plc credit card debt on his credit file, which he thinks was settled several years ago. He says he had both a credit card debt and a loan debt with NatWest, but both debts were settled at the same time. He wants Na... (2 pages)View decision -
Decision Reference DRN-3425593
23 May 2022 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-3425593 The complaint Mr F has complained that Cabot Credit Management Group Limited are pursuing him for a debt which he feels they haven’t sufficiently proven he owes them. What happened This complaint is about a credit card account that was opened in 2016, defaulted in 2020, and was... (2 pages)View decision -
Decision Reference DRN6103472
10 Apr 2018 Firstplus Financial Group Plc Not upheldPayment protection insurance (PPI)Mrs D is unhappy with how Firstplus Financial Group Plc (Firstplus) has used the compensation it offered her to settle a complaint about a mis-sold payment protection insurance (PPI) policy.backgroundIn 2006 Mrs D took out a secured loan through Firstplus and at the same ... (5 pages)View decision -
Decision Reference DRN1559712
6 Jun 2017 Sesame Limited Not upheldBanking and creditMs M and Mr S complain about the advice to consolidate their debts and take out a mortgage that was recommended to them by the appointed representative of Sesame Limited. Ms M and Mr S would like Sesame Limited to take responsibility for the debt Mr S now owes t... (3 pages)View decision -
Decision Reference DRN5125486
12 Jul 2018 Barclays Bank Plc Not upheldBanking and creditMr H has a debt with Barclays Bank Plc that was transferred to it from another business. Mr H feels Barclays has treated him unfairly about his attempts to repay it since his payments towards the debt stopped in 2012.backgroundMr H says that Barclays has treated ... (2 pages)View decision -
Decision Reference DRN3795572
19 Mar 2019 Santander UK Plc UpheldBanking and creditMiss S complains that Santander UK Plc delayed applying a default to her credit file. Had it been applied sooner, six years would now have passed and the default would’ve been removed from her credit file. She would like the default removed from her credit file. Mi... (2 pages)View decision -
Decision Reference DRN4045313
10 Dec 2015 1st Credit Limited Not upheldBanking and creditMr I complains that 1st Credit Limited is harassing him for payment despite him explaining the debt is in dispute.backgroundMr I says that he is in dispute about his debt and that because of this the original owner should not have sold it to 1st Credit. He says that ... (2 pages)View decision