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 DRN-3081882
6 Oct 2021 MBNA Limited Not upheldBanking and PaymentsDRN-3081882 The complaint Mr B complains MBNA Limited continues to report a default on his credit file despite having sold the debt to another business. What happened Mr B had a credit card with MBNA that was closed and defaulted in October 2019. MBNA reported the default and outstanding b... (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 DRN6622870
16 Jun 2020 Cabot Credit Management Group Limited Not upheldBanking and creditMr K complains about Cabot Credit Management Group Limited (“Cabot’s”) management of a debt they say he owes them.backgroundMr K has been represented by his solicitors in this complaint but for ease I will refer to Mr K throughout this decision.Mr K says that: a debt Cabot say he has with... (3 pages)View decision -
Decision Reference DRN-5298658
26 Feb 2025 Lowell Portfolio I Ltd UpheldConsumer CreditDRN-5298658 The complaint Mr H is unhappy Lowell Portfolio I Ltd (“Lowell”) have been contacting him about a debt he says he knows nothing about. What happened Mr H says Lowell first contacted him about an outstanding debt of over £1,500, originally with a bank I’ll refer to as B, in S... (3 pages)View decision -
Decision Reference DRN1764585
19 Jan 2017 Gregory Pennington Limited Not upheldBanking and creditMiss M, represented by a claims management company (CMC) says that the debt management plan (DMP) she entered into with Gregory Pennington Limited (the business) was mis-sold.backgroundMiss M entered into a DMP with the business in 2009. She complains that at that time ... (2 pages)View decision -
Decision Reference DRN6158783
15 Jul 2015 Advance Mortgage Funding Ltd Not upheldBanking and creditMr and Mrs P complain that the mortgage recommended by Advance Mortgage Funding Ltd was unsuitable. They are represented by a solicitor, which I will call A.backgroundAdvance Mortgage Funding Ltd recommended a repayment mortgage to Mr and Mrs P in 2007. A says the a... (3 pages)View decision -
Decision Reference DRN2016232
14 Sep 2017 Clydesdale Financial Services Limited Not upheldBanking and creditMr L complains that Clydesdale Financial Services Limited trading as Barclays Partner Finance (BPF) wrongly told him that his debt had been written off. He would like the debt to be reduced by the amount he would’ve repaid if he had continued to make payments.backgro... (2 pages)View decision -
Decision Reference DRN-3821092
23 Nov 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3821092 The complaint Miss G complains that Lloyds Bank PLC mishandled its recovery of funds lent to her under a Bounce Back Loan, and in particular that it incorrectly advised her that she was entitled to money held in her account that it subsequently used to repay a debt. What happen... (4 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 -
Decision Reference DRN8447839
24 Dec 2019 Euler Hermes SA/NV Not upheldInsurance (excluding PPI)M’s complaint is about a claim it made on its Euler Hermes trade credit insurance policy. Mr H, on behalf of M, says Euler Hermes should pay M’s solicitors fees in bringing a claim against a debtor. backgroundM had the benefit of a trade credit insurance policy. The policy provided cover f... (2 pages)View decision
