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 DRN0767663
27 Mar 2014 Barclays Bank Plc Not upheldBanking and creditMr B complains that Barclays Bank PLC sold the debts on his two credit cards to a debt collection agency. He also disagrees with the balance figure that Barclays transferred. Mr B also has a complaint about the interest charged by the debt collection agency, and the type of document ... (1 page)View decision -
Decision Reference DRN7925805
8 Jul 2014 Pentagon (UK) Limited Not upheldBanking and creditMiss W and Mr T complain that: Pentagon (UK) Limited (trading as EuroDebt Financial Services) failed to tell them that their lender was unlikely to agree to freeze interest if they entered into a debt management plan, and when it did in fact refuse to do so; and the debt managem... (3 pages)View decision -
Decision Reference DRN-3095683
1 Nov 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3095683 The complaint Mr B complained that Bank of Scotland plc (“BoS”) had decided to make a refund from an old credit card account that was closed many years ago. But instead of paying the money to him, BoS paid it to the company that had bought this debt from BoS. What happened Mr B... (3 pages)View decision -
Decision Reference DRN8907676
26 Oct 2018 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)Miss N is unhappy with how National Westminster Bank Plc (‘NatWest’) resolved her complaint about four payment protection insurance (‘PPI’) policies attached to four loans. backgroundMiss N took out four loans with NatWest over a period between 1999 and 2002. Each ... (3 pages)View decision -
Decision Reference DRN-4191272
29 Aug 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4191272 The complaint Mr E complains that FUND OURSELVES LIMITED (“Fund Ourselves”) has not treated him fairly. He complains that it has not been transparent with him. Mr E has suggested that the debt is not his. The name of the lender was different when the loan was set up and the agr... (7 pages)View decision -
Decision Reference DRN7402832
13 Dec 2017 Lloyds Bank PLC Not upheldBanking and creditMr W complains he’s been harassed by multiple debt collecting agents acting on behalf of Lloyds Bank plc. He disputes he owes the debt and doesn’t think he should be chased for it.backgroundMr W tells us he’s been harassed by several debt collecting agencies acting on ... (2 pages)View decision -
Decision Reference DRN5561537
8 Mar 2019 Link Financial Outsourcing Limited Not upheldBanking and creditMr H complains that Link Financial Outsourcing Limited (“Link”) are pursuing him for a debt he doesn’t owe.backgroundI set out the background to Mr H’s complaint in my provisional decision. I’ll summarise it again here. Mr H has been represented by a third party in ... (3 pages)View decision -
Decision Reference DRN1190559
8 Jul 2016 Christians Against Poverty Not upheldBanking and creditMr B complains about the way that Christians Against Poverty has managed his debt plan and that it won’t continue to deal with his debts.backgroundMr B agreed a debt management plan with Christians Against Poverty. It helped him to clear his arrears with a utility compa... (2 pages)View decision -
Decision Reference DRN-2083039
28 Aug 2020 Lowell Portfolio I Ltd UpheldBanking and PaymentsDRN-2083039The complaintMiss L complains that Lowell Portfolio I Ltd placed a default on her credit file in relation to a debt that isn’t hers. Miss L also complains that she wasn’t sent certified copies of the original credit agreement, default notices and notice of assignment from the or... (3 pages)View decision -
Decision Reference DRN4536503
19 Jul 2019 Telefonica UK Limited UpheldBanking and creditMr M complains that Telefonica UK Limited, trading as O2, shouldn’t have lent him money because he couldn’t afford to repay it. His accounts went into arrears, he was disconnected and charged fees. He wants the outstanding balance written off and all negative markers removed from his credi... (4 pages)View decision
