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 DRN5803831
20 Aug 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMr J is unhappy with Cabot Credit Management Group Limited asking him to repay a debt, because he doesn’t think it has sufficient evidence to enforce it.backgroundMr J contacted Cabot in 2018 to ask for further information about a debt it was asking him to repay. Cabot said the debt relate... (2 pages)View decision -
Decision Reference DRN0363582
31 Oct 2018 Santander UK Plc Not upheldPayment protection insurance (PPI)Mrs S is unhappy with how Santander UK Plc (‘Santander’) has offered to resolve her complaint about a payment protection insurance (‘PPI’) policy attached to a loan. backgroundMrs S took out a loan for £22,000. At the same time she was sold a single premium PPI po... (4 pages)View decision -
Decision Reference DRN9415887
19 Dec 2018 Foundation for Credit Counselling Not upheldBanking and creditMiss H complains Foundation for Credit Counselling trading as StepChange failed to notify her it had stopped making payments to a creditor and as a result her account was defaulted. She wants an explanation as to how this happened.backgroundMiss H tells us she enter... (3 pages)View decision -
Decision Reference DRN5505654
29 Sep 2016 Kapama Limited UpheldBanking and creditMr B is unhappy that Kapama Limited (Kapama) is pursuing him for a debt which relates to a loan he thinks was irresponsibly lent. background Mr B took out a payday loan. He didn’t repay the loan and the debt was purchased by Kapama who instructed a debt collector to... (2 pages)View decision -
Decision Reference DRN5025936
30 Nov 2016 Butler-Do Ltd Not upheldBanking and creditMr J complains that a debt management plan was mis-sold to him by Butler-Do Limited, trading as Kensington Financial Management. He also complains about the way that the plan has been administered. He is being helped with his complaint by a representative.backgroundMr J a... (2 pages)View decision -
Decision Reference DRN-4163298
26 Jun 2023 Lowell Financial Ltd Not upheldConsumer CreditDRN-4163298 The complaint Mr D complains about the actions of Lowell Financial Ltd when it took over the management of a debt. What happened Mr D complained to Lowell because he felt the Notice of Assignment (NOA) letters appeared to have been sent by the original lender, but he says he fo... (2 pages)View decision -
Decision Reference DRN6741385
8 Jun 2015 Arrow Global Limited Not upheldBanking and creditMr A complains that Arrow Global Limited is pursuing him for a debt which he has already paid off and that a default is wrongly recorded on his credit record about it.backgroundMr A had a store card account run by a credit card company (which I shall call B). In 20... (2 pages)View decision -
Decision Reference DRN7478894
9 Sep 2015 OPOS Limited UpheldBanking and creditMr R has complained that OPOS Limited is unfairly pursuing him for a debt.background Around three years ago, Mr R took out a loan for £150 with another business. Ultimately, the debt, plus interest, was passed to OPOS. The debt stood at £1,181.50.Mr R feels he sh... (1 page)View decision -
Decision Reference DRN5382333
3 Jul 2014 Barclays Bank Plc Not upheldBanking and creditMr N complains that Barclays Bank Plc transferred his debt to a third party debt collection agency when it had previously agreed to write it off. He wants the bank to pay him compensation and to either write off the debt or agree a repayment plan with him. our initial conclusions... (2 pages)View decision -
Decision Reference DRN-1129065
2 Apr 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-1129065 The complaintMr B complains that Vanquis Bank Limited only defaulted his account in March 2019, although he told it about his financial difficulties in 2015 and agreed a payment plan then. He said that all the other companies he owed money to applied defaults back in 2015. What... (2 pages)View decision
