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 69711 results
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Decision Reference DRN0054043
5 Aug 2015 Black Horse Limited Not upheldBanking and creditMr S says that Black Horse Limited should not be chasing him for an outstanding debt. The debt is in relation to a car which he bought and has since returned.He brings this claim through his representative Miss S.backgroundMr S bought a car in 2008 through a hire... (2 pages)View decision -
Decision Reference DRN-2159454
20 Oct 2020 Debt Managers (Services) Limited UpheldConsumer CreditDRN-2159454 The complaint Miss L has complained about Debt Managers (Services) Limited chasing her for a debt that wasn’t hers and failing to communicate with her about it. What happened In May 2019, Debt Managers purchased a debt. They say that the original creditor gave them Miss L’s ema... (2 pages)View decision -
Decision Reference DRN7860988
29 Sep 2016 Foundation for Credit Counselling Not upheldBanking and creditMiss B complains that Foundation for Credit Counselling, trading as StepChange, mis-sold her a debt management plan. The complaint is brought on her behalf by a claims management company. It says a debt relief order would’ve been more suitable.backgroundMiss B sou... (2 pages)View decision -
Decision Reference DRN5791432
25 Feb 2014 Debt Advisory Line Limited Not upheldBanking and creditMr T complains about the advice Debt Advisory Line Limited (DAL) gave him concerning a debt he owed jointly with his wife, Mrs T.backgroundIn 2009, Mr T had accumulated a large amount of debt in his own name. He also owed over £5,000 to one creditor jointly with Mrs T. He sought advice f... (2 pages)View decision -
Decision Reference DRN-2765488
16 Mar 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-2765488 The complaint Ms M’s complained that, despite making overpayments to her credit card account she had with Santander UK Plc, the balance wasn’t reduced as she expected. And Santander continued to send her persistent debt letters, which she found threatening and stressful. What ... (3 pages)View decision -
Decision Reference DRN8059986
17 Oct 2017 Lloyds Bank PLC Not upheldBanking and creditMr M complains that Lloyds Bank PLC (“Lloyds”) refuse to pay the settlement, from a previous complaint about his credit card account, directly to him.backgroundMr M had, amongst other accounts, a credit card with Lloyds. He encountered financial difficulties and stopped ... (2 pages)View decision -
Decision Reference DRN1814709
31 Jan 2019 Oakam Ltd Not upheldBanking and creditMiss C complains that Oakam Ltd failed to contact her about missed payments on her debt when she had a debt management plan (DMP) in place and unfairly transferred the balance to a debt collection agency.backgroundMiss C took out a loan with Oakam in 2014 with an ... (2 pages)View decision -
Decision Reference DRN7361872
15 Sep 2015 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)This complaint is about a payment protection insurance (PPI) policy taken out with a credit card. Mrs B is unhappy with how Royal Bank of Scotland (RBS) has used the compensation it offered to settle her complaint.backgroundMrs B complained to RBS about the sale ... (2 pages)View decision -
Decision Reference DRN0770401
30 Sep 2014 Barclays Bank Plc Not upheldBanking and creditMr L complains that Barclays Bank PLC, trading as Barclaycard, and its predecessor, should have registered defaults in relation to his credit card accounts in 2009 and treated him unfairly in not doing so.backgroundIn 2009, Mr L entered into a debt management programme and paid redu... (3 pages)View decision -
Decision Reference DRN6658105
24 Apr 2015 Lloyds Bank PLC Not upheldBanking and creditMr L complains that Lloyds Bank plc did not cancel his company's direct debit when it requested this. As a result his liability under his personal guarantee is higher than it should be.backgroundMr L, the director and guarantor of his former limited company, sa... (2 pages)View decision
