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 DRN0136048
16 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMr and Mrs R complain about a debt reduction agreement that they took out with NEO Media Solutions Limited, trading as One Debt Solution. They complain that it did not pay money to their creditors as it had agreed to do.backgroundMr and Mrs R entered into a debt reduction agreement wi... (2 pages)View decision -
Decision Reference DRN7041279
19 Mar 2014 123 Debt Solutions Ltd UpheldBanking and creditMr T complains that 123 Debt Solutions Ltd reduced his payments to one of his creditors, which he believes led the creditor to obtain a charging order against his property.background Mr T entered into a debt management plan with 123 Debt Solutions in around December 2011. In Septembe... (4 pages)View decision -
Decision Reference DRN9570815
30 Apr 2015 Capquest Debt Recovery Limited Not upheldBanking and creditMs F complains that Capquest Debt Recovery Limited (Capquest) has recorded incorrect information on her credit file.backgroundMs F had a mail order debt with a third party that was sold to Capquest. Ms F has explained that the debt is unenforceable and so Capquest sh... (2 pages)View decision -
Decision Reference DRN-3074432
28 Sep 2021 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-3074432 The complaint Mr M has complained that Link Financial Outsourcing Limited are chasing him for a debt which he believes he doesn’t owe. What happened This complaint is about a current account overdraft debt that was sold from the original creditor to a new company in September 2... (3 pages)View decision -
Decision Reference DRN0268509
15 May 2019 Debt Managers (Services) Limited Not upheldBanking and creditMiss B complains that Debt Managers (Services) Limited (“DMS”) hasn’t updated her credit file correctly.backgroundMiss B had a store card with shop N. Shop N registered a default against Miss B in September 2014. In 2016, Shop N sold the debt to DMS. DMS explained to... (2 pages)View decision -
Decision Reference DRN-5353716
14 Mar 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5353716 The complaint Mr K complains that Capital One (Europe) plc defaulted his credit cards and sold the debts to a debt collection agency. Mr K believes the debts should be written off because they have been outstanding for ore than 6 years. What happened Mr K held two credit car... (2 pages)View decision -
Decision Reference DRN-2921176
14 Jul 2021 PayPal Europe Sarl & Cie, SCA Not upheldBanking and PaymentsDRN-2921176 The complaint Mr R is unhappy that PayPal Europe Sarl & Cie, SCA ended its business relationship with him and with how it dealt with the balance of his account. What happened Mr R had an account with PayPal. In September 2020 PayPal placed a limitation on the account. Mr R ... (3 pages)View decision -
Decision Reference DRN4096411
22 Jul 2015 Barclays Bank Plc Not upheldBanking and creditMr E has complained that Barclays Bank Plc is charging interest on his Barclaycard balance, whilst Mr E is on a debt management plan due to financial difficulties.backgroundMr E entered a debt management plan (‘DMP’) in 2010. Due to this, Barclays accepted monthly payme... (2 pages)View decision -
Decision Reference DRN7582007
26 Feb 2018 Barclays Bank Plc Not upheldBanking and creditMr S complains that Barclays Bank Plc didn’t administer his loan and credit card account properly. As a result his credit card account was defaulted and passed to a debt collector.backgroundMr S took out a loan in 2008. He repaid the balance of his credit card account... (2 pages)View decision -
Decision Reference DRN5090048
19 Sep 2013 Barclays Bank Plc Not upheldBanking and creditMrs N complains that she was contacted by Barclays Bank PLC’s debt collector in relation to a debt owed by her ex-husband. She is unhappy with the compensation offered by the bank and would like the bank to repay the amount she paid to clear her husband’s debt.backgroundMrs N held a j... (2 pages)View decision
