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 DRN8514877
20 Jun 2017 Lowell Financial Ltd Not upheldBanking and creditMr O complains that Lowell Financial Limited, (LFL”), is unfairly pursuing him for a debt he said was statute barred.backgroundMr O is unhappy that LFL has sent him debt collection correspondence for a debt that he says is statute barred. He said that LFL claimed that ... (2 pages)View decision -
Decision Reference DRN5505815
13 May 2014 Santander UK Plc Not upheldBanking and creditMiss D complains that Santander UK Plc is seeking repayment of a loan she has previously repaid. She also complains that the bank placed an adverse notice on her credit file.backgroundIn 2004 Miss D took out a loan with Cahoot, which is now owned by Santander. In 2008 she contacted a d... (1 page)View decision -
Decision Reference DRN8637469
30 Mar 2015 1st Credit Limited UpheldBanking and creditMr C has complained that 1st Credit Limited continued to ask him for payment of a debt when he believes this was not enforceable.backgroundIn April 2014 1st Credit contacted Mr C asking him to repay £3,755.94. This was a debt they’d bought from the original loan provi... (2 pages)View decision -
Decision Reference DRN-4066415
3 Oct 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4066415 The complaint Mr S complains that Barclays Bank UK PLC trading as Barclaycard has reported a default on a debt that is deemed unenforceable. What happened Both parties are aware of the circumstances of the complaint, so I won’t repeat them in detail here. In summary, Mr S and B... (4 pages)View decision -
Decision Reference DRN8960972
26 Sep 2014 Arrow Global Limited UpheldBanking and creditMr M complains Arrow Global Limited is pursuing him for a debt that does not belong to him. He wants the debt and any adverse references to it on his credit file to be removed. He also wants compensation for harassment and time spent on resolving this matter.backgroundMr M entered into ... (2 pages)View decision -
Decision Reference DRN-4395944
20 Oct 2023 Vodafone Limited Not upheldConsumer CreditDRN-4395944 The complaint Mr M has complained that Vodafone Limited recorded a default on his credit file in relation to a fixed sum loan agreement he’d taken out to buy a phone. What happened The circumstances of the complaint are well known to both parties. So I’m not going to cover off ... (3 pages)View decision -
Decision Reference DRN-5030264
3 Oct 2024 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5030264 The complaint Mr C complains that Shawbrook Bank Limited (Shawbrook) have been unreasonable when not accepting his offer of repayment, when applying defaults to his accounts and when sending his accounts to a debt collection agency. What happened The details of this complain... (2 pages)View decision -
Decision Reference DRN0714660
10 Sep 2013 Barclays Bank Plc Not upheldBanking and creditMr A and Miss B complain about bank charges applied to their joint account between 2004 and 2008. They say that Barclays Bank Plc was wrong to apply the charges and it failed to treat them fairly when they were suffering financial difficulties. They would like the charges to be refunded ... (2 pages)View decision -
Decision Reference DRN-1991167
13 Oct 2020 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-1991167 The complaint Miss R has complained that Lowell Portfolio I Ltd are chasing her for debts she says she doesn’t owe. What happened Between 2015 and 2017, Lowell purchased three defaulted debts of Miss R’s from three different creditors. They purchased some other debts too, but i... (3 pages)View decision -
Decision Reference DRN-2564426
29 Apr 2021 Bank of Scotland Plc Not upheldMortgagesDRN-2564426 The complaint Mr A complains that Bank of Scotland plc trading as Birmingham Midshires (“BM”) repossessed two properties that he had mortgaged with them in 2008, then sold them for much less than the outstanding mortgages. BM is now pursuing him for the shortfall. What happened... (2 pages)View decision