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 69711 results
-
Decision Reference DRN1284078
8 Aug 2014 Barclays Bank Plc Not upheldBanking and creditMs F complains that Barclays Bank Plc did not treat her fairly when she was in financial difficulties. She says it should have written off her debt. Ms F asks for compensation and that the repayments she has made are refunded.backgroundMs F had financial difficulties from late 2005. She ... (2 pages)View decision -
Decision Reference DRN1987787
30 Aug 2019 Paragon Finance Plc Not upheldBanking and creditMr P complains that Paragon Finance PLC are unfairly pursuing him for payment of a debt they bought. backgroundMr P took out a credit card account with a bank in 2004. In early 2013, the bank formally notified him they’d sold the debt accumulated on that account. The bank have confirmed t... (3 pages)View decision -
Decision Reference DRN7413166
18 Dec 2017 Angel Advance Limited Not upheldBanking and creditMr V complains that a county court judgment was entered against him at a time when Angel Advance Limited was managing his debts.backgroundMr V entered into an agreement with Angel Advance to manage his debts. This involved Mr V paying a monthly payment, part of whi... (2 pages)View decision -
Decision Reference DRN1207372
31 May 2016 PRA Group (UK) Limited Not upheldBanking and creditMs N complains that PRA Group (UK) Limited is chasing her for a debt dating back to 2002. She wants PRA to stop contacting her, and to remove adverse information relating to this debt on her credit file.backgroundMs N said: The debt relates to a student bank account ... (2 pages)View decision -
Decision Reference DRN4801097
24 Nov 2017 Barclays Bank Plc Not upheldBanking and creditMrs P complained that she shouldn’t be liable for a debt to Barclays Bank PLC, trading as Woolwich. Her partner, who had jointly held the mortgage, had accrued the debt on the mortgage current account.backgroundMrs P bought a property around 15 years ago, and in 2011 she... (3 pages)View decision -
Decision Reference DRN-3469758
27 Jun 2022 Arrow Global Limited Not upheldConsumer CreditDRN-3469758 The complaint Mr C is unhappy that Arrow Global Limited has asked him to repay a debt without giving him evidence that he’s liable for it. What happened In May 2012 Arrow bought an outstanding debt in Mr C’s name. The debt relates to a credit card with a business I will refer t... (2 pages)View decision -
Decision Reference DRN8452548
21 Jul 2017 Fluent Money Limited Not upheldBanking and creditMr and Mrs A are complaining that Fluent Money Limited didn’t pass on information about Mr A’s creditors to a lender. This has meant that the lender wasn’t able to pay off his debts from the proceeds of a loan they took out.backgroundMr and Mrs A asked Fluent Money... (2 pages)View decision -
Decision Reference DRN-3249479
14 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3249479 The complaint Mrs C complaints that NewDay Ltd (Aqua) lent to her irresponsibly What happened In December 2015, Mrs C applied for a credit card from Aqua. It was agreed with a limit of £900. Her limit was then increased as shown: In June 2019, Mrs C’s account was put onto a pay... (5 pages)View decision -
Decision Reference DRN-2734545
20 Jul 2021 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-2734545 The complaint Mr B complains that Brent Shrine Credit Union Limited, trading as My Community Bank, is reporting a default on his credit file. What happened In 2018 Mr B borrowed £4,000 from My Community Bank (MCB). In 2019 he lost his job due to mental illness, and he fell into... (2 pages)View decision -
Decision Reference DRN4536503
19 Jul 2019 Telefonica UK Limited UpheldBanking and creditMr M complains that Telefonica UK Limited, trading as O2, shouldn’t have lent him money because he couldn’t afford to repay it. His accounts went into arrears, he was disconnected and charged fees. He wants the outstanding balance written off and all negative markers removed from his credi... (4 pages)View decision
