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 69710 results
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Decision Reference DRN1639629
12 Dec 2014 Cabot Financial (Europe) Limited Not upheldBanking and creditMr F is unhappy with a default that Cabot Financial (Europe) Limited has registered on his credit file.backgroundMr F entered into a debt management plan (DMP) in 2005 with the owner of one of his debts. Mr F says the account was defaulted at this time. The debt was later transferre... (2 pages)View decision -
Decision Reference DRN9716827
2 Jul 2015 HSBC Bank plc Not upheldBanking and creditMiss S complains that HSBC Bank plc passed on a debt to a debt collection agency which she says arose as the result of fraud on her current account. She says the bank told her she would not be held responsible for the debt.backgroundOn 16 April 2008, a cheque for... (2 pages)View decision -
Decision Reference DRN5218766
16 Jun 2015 Bank of Scotland Plc Not upheldBanking and creditMs R has complained that Bank of Scotland plc, trading as Halifax, is asking her to pay two credit card debts. She believes that her details have been changed without her consent which has led to the arrears.This complaint is related to another complaint Ms R ha... (2 pages)View decision -
Decision Reference DRN-1576360
30 Mar 2020 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-1576360 The complaintMr P complains that Shop Direct Finance Company Limited (“Shop Direct”): held him responsible for repaying debts on credit accounts which his ex-wife, without his knowledge or consent, opened and operated in his name; and placed defaults and other markers against... (3 pages)View decision -
Decision Reference DRN8738219
13 Apr 2015 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr M’s complaint is about a payment protection insurance (PPI) policy taken out with a credit card. Capital One (Europe) plc (Capital One) used the compensation it offered to reduce the debt Mr M owes them. But Mr M wants Capital One to pay the compensation directly to... (3 pages)View decision -
Decision Reference DRN7298218
15 May 2019 Lowell Financial Ltd Not upheldBanking and creditMr H complains that Lowell Financial Ltd wrongly registered a debt on his credit file even though he had already repaid it in full.backgroundIn July 2014 Mr H took out a loan, which he defaulted on in June 2015. He says that he repaid the outstanding balance in ful... (2 pages)View decision -
Decision Reference DRN2548506
31 Mar 2015 Lowell Financial Ltd Not upheldBanking and creditMrs T complains that Lowell Financial Limited (“LFL”) was wrong to send letters chasing a debt to her previous address and harass her for repayments she can’t afford. background Mrs T obtained a joint loan with a family member from a third party lender. In 2013 ... (2 pages)View decision -
Decision Reference DRN-2709672
20 Apr 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2709672 The complaint Mr K complains that NewDay Ltd trading as Amazon Classic Card (Amazon) lent to him irresponsibly. What happened In April 2019, Amazon agreed to give Mr K a credit card with a limit of £500. The account went into arrears and was sold to a debt collection agency in ... (3 pages)View decision -
Decision Reference DRN6205095
26 Sep 2018 Clydesdale Bank Plc Not upheldBanking and creditMr B complains that Clydesdale Bank Plc sold his debt to an overseas company which isn’t regulated in the UK.backgroundMr B had a commercial real estate loan with Clydesdale which came to the end of its term in 2014.At that point, Clydesdale agreed to continue to all... (3 pages)View decision -
Decision Reference DRN-3176039
10 Jan 2022 Hoist Finance UK Limited UpheldConsumer CreditDRN-3176039 The complaint Mr and Mrs S complain Hoist Finance UK Limited has said they owe money for a debt after telling them all debts had been repaid. What happened Mr and Mrs S were in a debt management plan with a company I’ll call P for 14 years. Hoist was one of the creditors. Three... (2 pages)View decision
