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 70502 results
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Decision Reference DRN6159924
9 Sep 2019 National Westminster Bank Plc Not upheldBanking and creditMrs K complains National Westminster Bank Plc is pursuing her for a debt on a joint account she didn’t open. She says she was added to the account fraudulently by her ex-husband - Mr K. She also considers the account statute barred as she has never acknowledged the debt as being hers. back... (3 pages)View decision -
Decision Reference DRN2262875
30 Mar 2016 Capquest Debt Recovery Limited Not upheldBanking and creditMs C complains that Capquest Debt Recovery Limited: -pursued her for debts that weren’t hers, and which were statute barred.-took too long to respond to her.- gave her information which was incorrect or misleading, and didn’t give her documentation she requested.-were aggr... (3 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 -
Decision Reference DRN5342317
10 Oct 2017 Barclays Bank Plc Not upheldBanking and creditMr E has complained that Barclays Bank Plc wrongly placed a default on his credit file in relation to a credit card account that was sold on to debt collectors. backgroundMr E says the debt collector has written off the balance on the debt and removed the default.... (2 pages)View decision -
Decision Reference DRN7358144
30 Sep 2014 MBNA Limited Not upheldBanking and creditMs W complains MBNA Limited defaulted an account and agreed to write off the debt buthas gone back on this.background I issued a provisional decision about this complaint on 15 August 2014. The complaint concerns two debts that Ms W says she settled with money she received following h... (1 page)View decision -
Decision Reference DRN0100524
6 May 2015 Bank of Scotland Plc Not upheldBanking and creditMr L complains about a debt he has with Bank of Scotland plc. He believes the debt is statute barred and is unhappy that the account still shows as a defaulted account on his credit file.backgroundMr L took out an account with the bank in 2005. Payments to the acco... (2 pages)View decision -
Decision Reference DRN-1826859
11 Jun 2020 The Royal Bank of Scotland Plc Not upheldInsuranceDRN-1826859The complaintMs L has complained about the way the Royal Bank of Scotland PLC (“RBS”) has used the compensation it offered to settle her complaint about the mis-sale of a payment protection insurance (“PPI”) policy. What happenedMs L had a PPI policy running to cover the overdra... (2 pages)View decision -
Decision Reference DRN1814690
11 Mar 2020 Cabot Credit Management Group Limited Not upheldBanking and creditComplaintMrs I complains that Cabot Credit Management Group Limited (trading as Cabot Financial) is pursuing her for a debt which it hasn’t provided sufficient evidence of. She wants the debt to be written off.BackgroundMrs I, represented by a third party, says that Cabot Financial is unfa... (2 pages)View decision -
Decision Reference DRN-2288257
27 Nov 2020 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2288257 The complaint Mr C complains that Cabot has treated him unfairly when trying to recover debts it acquired from other businesses. What happened Cabot has purchased three debts in Mr C’s name. Loan 1 In August 2012 Cabot acquired a personal loan account that had defaulted with th... (3 pages)View decision -
Decision Reference DRN2991915
4 Dec 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs F complain that Legal & General Partnership Services Limited mis-sold a mortgage to them.backgroundIn 2005, the fixed rate period on Mr and Mrs F’s mortgage came to an end and they wanted to re-mortgage at a better rate. Legal & General recommended... (2 pages)View decision
