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 DRN7393652
5 Mar 2019 Cabot Credit Management Group Limited UpheldBanking and creditMr G complains Cabot Credit Management Group Limited has been pursuing him for debts he says he doesn’t owe. He wants it to provide proof of the debts or stop chasing him.background Mr G tells us Cabot has been chasing him for several debts - but hasn’t sent him b... (2 pages)View decision -
Decision Reference DRN3830528
5 Aug 2015 Lloyds Bank PLC Not upheldBanking and creditMr R feels that Lloyds Bank Plc (Lloyds) hasn’t treated him fairly about a loan he took with it.backgroundMr R complains that Lloyds shouldn’t have sold him a loan as he couldn’t afford to repay it.Mr R complained and Lloyds said it had dealt with the issues appr... (2 pages)View decision -
Decision Reference DRN0651182
25 Jan 2018 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mrs A has complained about the way Capital One (Europe) plc (“Capital One”) has used the compensation it agreed to pay her after she complained about the mis-sale of payment protection insurance (“PPI”).backgroundMrs A took out a credit card with Capital One and also to... (3 pages)View decision -
Decision Reference DRN2772469
14 Nov 2013 Lowell Financial Ltd Not upheldBanking and creditMr W complains that Lowell Financial Ltd (“Lowell”) is seeking repayment for two credit card debts that are not his. He says he does hold two credit cards with a third party credit card company but the account numbers are not the same. Mr W says that even if these debts were his they sho... (2 pages)View decision -
Decision Reference DRN-2854577
23 Jul 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2854577 The complaint Mr P’s complained that Barclays Bank UK PLC (“Barclays”) cancelled his credit card due to him being in persistent debt – even though he was making payments towards the balance. What happened Mr P had a Barclays credit card for a number of years. He said he’d alwa... (2 pages)View decision -
Decision Reference DRN-3422891
17 Jun 2022 Lowell Financial Ltd Not upheldConsumer CreditDRN-3422891 The complaint Mr W is unhappy that Lowell Financial Ltd pursued him for a debt and obtained a County Court Judgment (CCJ) against him. What happened Mr W had several loans with another provider which were sold to Lowell in 2015. Lowell attempted to seek repayment of these from ... (2 pages)View decision -
Decision Reference DRN-2963910
19 Aug 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2963910 The complaint Mr B complains that a debt collection agency is asking him to repay a credit card account that he says he didn’t take out. He says that he never had a card with Barclays Bank UK PLC. What happened Mr B said he was being asked to repay a credit card debt for a card... (3 pages)View decision -
Decision Reference DRN1721058
6 Jan 2014 Think Loans and Mortgages Limited Not upheldBanking and creditMr and Mrs F complain that Think Loans and Mortgages Limited (“Think”) advised them to;- take out an interest only mortgage without a suitable repayment vehicle;- did not explain the implications of consolidating their existing unsecured debts, and;- incorrectly recommended a self-certif... (3 pages)View decision -
Decision Reference DRN6596078
22 May 2014 Bradford & Bingley Plc Not upheldBanking and creditMr and Mrs W complain that Bradford & Bingley Plc continues to pursue them for the shortfall on their mortgage following repossession of their property.backgroundMr and Mrs W had a mortgage with Bradford & Bingley. In 1991, their property was repossessed and sold, leaving a sub... (3 pages)View decision -
Decision Reference DRN3924302
3 Dec 2015 MBNA Limited UpheldBanking and creditMr V makes a number of complaints about MBNA Limited, all related to two overdrafts he had with that bank.background Mr V had two credit card accounts with MBNA. He complains that MBNA increased his credit limits without asking him, and also increased his interest ra... (2 pages)View decision
