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 71745 results
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Decision Reference DRN3281369
6 Apr 2017 Moorcroft Debt Recovery Limited Not upheldBanking and creditMr B complains that Moorcroft Debt Recovery Limited, (“MDRL”) unfairly tried to collect a debt from him. He said that it didn’t have any right to do this, and that the debt wasstatute barred. He also said that MDRL was in breach of the Data Protection Act 1998 a... (3 pages)View decision -
Decision Reference DRN0464078
20 May 2014 Lloyds Bank PLC Not upheldBanking and creditMr C complains that Lloyds Bank plc sent him a letter in August 2013 to tell him he owed it money. This was not correct as Mr C had been the victim of identity fraud, which Lloyds had known about for some time. Mr C was unhappy to receive the bank’s letter as it had previously assure... (2 pages)View decision -
Decision Reference DRN-2522022
28 Jan 2021 Lowell Financial Ltd Not upheldBanking and PaymentsDRN-2522022 The complaint Mr M complains about Lowell Financial Ltd’s actions when seeking to recover a debt. Mr M says Lowell has failed to show the debt it is seeking to collect was taken out by him. Mr M also complains that Lowell failed to treat him fairly despite being aware of his ci... (3 pages)View decision -
Decision Reference DRN0976520
16 Oct 2013 Britannica Recoveries S.a.r.l. Not upheldBanking and creditMrs R complains about a debt Britannica Recoveries S.a.r.l is asking her to repay. She has questioned whether it can collect the debt as it is a result of a county court judgment (CCJ) for the original creditor. She is also unhappy with the way her enquiries have been dealt with, that ... (2 pages)View decision -
Decision Reference DRN-4524861
14 Aug 2024 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-4524861 The complaint Mr B complains that American Express Services Europe Limited (AESEL) closed his credit card account and cancelled the direct debt. He also complains that the management of his account was passed to a debt collection firm. What happened Mr B says that in summer... (3 pages)View decision -
Decision Reference DRN4874967
3 Aug 2016 Lowell Financial Ltd Not upheldBanking and creditMrs A complains that Lowell Financial Ltd wrongly sent a letter to her husband’s email address about a debt she had.backgroundMrs A had debts (which I shall call P and Q) with two different companies. Lowell wrote to Mrs A in 2014 to say it had purchased debt P,... (2 pages)View decision -
Decision Reference DRN2189372
7 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMiss B complains about a debt reduction agreement that she took out with NEO Media Solutions Limited, trading as One Debt Solution. She complains that it did not pay money to her creditors as it had agreed to do and that it did not respond to her concerns satisfactorily.backgroundMiss B... (2 pages)View decision -
Decision Reference DRN3520358
3 Apr 2020 Capquest Debt Recovery Limited Not upheldBanking and creditMr H complains that as Capquest Debt Recovery Limited (“CDR”) has been unable to provide the credit agreement it can’t prove that a debt is his and that the outstanding amount should now be cancelled and he should be reimbursed all of the payments he has made on that account. Mr H also ask... (3 pages)View decision -
Decision Reference DRN-2895478
15 Jul 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2895478 The complaint Mr S complains that Vanquis Bank Limited (Vanquis) lent to him irresponsibly. What happened Mr S had a credit card from Vanquis since 2012. His credit limit was increased four times – in January 2013, June 2013, November 2013 and October 2015. The last increase wa... (3 pages)View decision -
Decision Reference DRN-3474867
10 Feb 2023 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-3474867 The complaint Mr E complains that Lantern Debt Recovery Services Ltd incorrectly chased him for a debt and didn’t remove a default marker from his credit record. What happened In September 2021, Lantern purchased a debt from a third-party lender, I’ll refer to as B. B provided ... (3 pages)View decision
