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 DRN-4362925
5 Oct 2023 Credit Resource Solutions Ltd UpheldConsumer CreditDRN-4362925 The complaint Mr B complains that Credit Resource Solutions Ltd trading as CRS has chased him for debts that were formed part of his bankruptcy order. What happened Mr B has explained that he was made bankrupt in 2021 and discharged in 2022. In September 2022 CRS says it was in... (2 pages)View decision -
Decision Reference DRN-4079157
20 Apr 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4079157 The complaint Mr B complains that Barclays Bank UK PLC (Barclays) is pursuing him for repayment of an overdraft he says should be on hold pending the outcome of an HMRC investigation. What happened The background to this complaint is well known to both parties and was set out i... (2 pages)View decision -
Decision Reference DRN9672838
10 Jul 2013 MBNA Limited UpheldBanking and creditMrs N complains that MBNA Europe Bank Limited is chasing her for a debt that she says is not hers.background In 2011 Mrs N found that she had been paying a regular monthly direct debit to MBNA. She cancelled the direct debit and told her bank that she did not know what the payments wer... (2 pages)View decision -
Decision Reference DRN-3325753
24 May 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3325753 The complaint Mrs G complains that NewDay Ltd trading as Aqua should have recorded a default on her account when she entered a debt management plan. What happened Mrs G had a NewDay branded credit card. In 2014, she suffered financial difficulties, which resulted in her enterin... (3 pages)View decision -
Decision Reference DRN2748510
6 Apr 2017 Skipton Building Society Not upheldBanking and creditMr S complains that Skipton Building Society is pursuing him for a debt he says he doesn’t owe. He says this is harassment and breaches regulations and legislation.backgroundMr S says Skipton sold his property for less than it was worth following a voluntary possession... (2 pages)View decision -
Decision Reference DRN-2349677
1 Dec 2020 Paratus AMC Limited Not upheldMortgagesDRN-2349677 The complaint Mr and Mrs G have raised a number of complaints about Paratus AMC Limited trading as Foundation Home Loans (and referred to here as Paratus). In summary the complaint is: the mortgage was mis-sold in 2005; because the mortgage hadn’t been properly executed, it w... (4 pages)View decision -
Decision Reference DRN7660340
31 Jul 2015 Debt Advisory Line Limited UpheldBanking and creditMr and Mrs M complain that Debt Advisory Line Limited (“DALL”) didn’t provide them with satisfactory advice when it sold a debt management plan to them.backgroundMr and Mrs M complain that DALL didn’t clearly explain the charges for the debt management plan (“DMP”) t... (3 pages)View decision -
Decision Reference DRN8836175
9 Jul 2013 DEBT HELP DIRECT LIMITED UpheldBanking and creditMr F complains about the administration of payments he made under a Debt Help Direct Limited debt management plan. He says payments to one of his creditors continued to be made despite his clear instructions for those payments to stop. backgroundMr F signed up to a debt management plan ... (2 pages)View decision -
Decision Reference DRN-5077072
20 Nov 2024 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-5077072 The complaint Mr D has complained about Lowell Portfolio I Ltd taking a regularly scheduled token payment while their contact was on hold. What happened This complaint surrounds a credit card account which was taken out in 1996, defaulted in 2003, and was eventually purchase... (3 pages)View decision -
Decision Reference DRN-1393397
13 Jun 2020 Cabot Credit Management Group Limited Not upheldBanking and PaymentsThe complaint Mr R complains that Cabot Credit Management Group Limited is asking him to pay a debt which it can't provide evidence that he owes or any details about it. Mr R is represented by his Solicitor I will call “F”. What happened Mr R says Cabot is asking him to repay a deb... (2 pages)View decision