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 77331 results
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Decision Reference DRN3048988
5 Sep 2014 MKDP LLP Not upheldBanking and creditMr C complains that MKDP LLP is pursuing him for a debt he does not owe. He also complains that it has wrongly registered a default on his credit file.backgroundMr C’s debt was previously owned by a third party bank. Mr C said he was in dispute with this bank because he said an unknown ... (2 pages)View decision -
Decision Reference DRN0975428
14 Aug 2015 MKDP LLP UpheldBanking and creditMr O complains that MKDP LLP is asking him to pay a debt that he thinks is statute barred. Further, he says the debt is also unenforceable.Mr O questions the authenticity of some of the key documents. He suggests that MKDP was wrong to rely on them.As a result of all... (3 pages)View decision -
Decision Reference DRN-3590931
31 Aug 2022 Credit Link Account Recovery Solutions Limited Not upheldConsumer CreditDRN-3590931 The complaint Miss H has complained that Credit Link Account Recovery Solutions Limited are pursuing her for a debt which she feels they haven’t sufficiently proven she owes them. What happened This complaint surrounds a consumer credit account that was opened in 2019, and was ... (2 pages)View decision -
Decision Reference DRN-5743199
8 Sep 2025 Capital One (Europe) plc UpheldBanking and PaymentsDRN-5743199 The complaint Mr W complains that Capital One (Europe) plc (‘Capital One’) didn’t discharge the debt on his credit card account following the completion of his Debt Relief Order (‘DRO’) in September 2024, and this has shown negatively on his credit file. Mr W is also unhapp... (3 pages)View decision -
Decision Reference DRN-4715152
31 May 2024 Clydesdale Bank Plc UpheldConsumer CreditDRN-4715152 The complaint Mr E complains that Clydesdale Bank Plc trading as Virgin Money (Virgin) lent to him when he could not afford it. He says Virgin lent to him irresponsibly. What happened On 28 March 2021 Mr E was approved by Virgin for a £20,000 loan repayable over 85 months (seve... (6 pages)View decision -
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 DRN4879694
17 Sep 2015 Clear View Finance Limited UpheldBanking and creditMs D complains Clear View Finance Limited agreed to help her reduce her debts but hasn’t done so.backgroundIn 2012 Ms D agreed that Clear View would help her reduce her debts. Ms D says she was told her plan would last less than three years. In 2015 Ms D complained t... (2 pages)View decision -
Decision Reference DRN3069711
20 Sep 2016 Link Financial Outsourcing Limited Not upheldBanking and creditMr C complains that Link Financial Outsourcing Limited (“Link”) is chasing him to pay a debt he doesn’t owe it, and is wrongly showing this debt on his credit file.backgroundOur adjudicator didn’t recommend that this complaint should be upheld. From enquiries she had ... (2 pages)View decision -
Decision Reference DRN-5001363
9 Oct 2024 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-5001363 The complaint Mr E complains that The Royal Bank of Scotland Plc (“RBS”) passed his debt to a debt collection agency. What happened Mr E holds an account with RBS. Due to Mr E’s financial circumstances, he hasn’t made payments to the account for some time. On 1 November 2023... (3 pages)View decision -
Decision Reference DRN3614766
10 Dec 2014 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr A’s complaint is about how The Royal Bank of Scotland Plc (RBS) has used the compensation it offered for three mis-sold payment protection insurance (PPI) policies. Mr A wants RBS to pay all the compensation directly to him.backgroundMr A originally complained to RBS about the mis-sa... (5 pages)View decision