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 DRN1377339
29 Nov 2019 PRA Group (UK) Limited Not upheldBanking and creditMrs A complains about the service that she’s received from PRA Group (UK) Limited in connection with her credit card debt. backgroundMrs A had a credit card debt with a credit card provider of £3,598.74 that was assigned to a third party in August 2012 and then to PRA Group in January 2015... (3 pages)View decision -
Decision Reference DRN-2351401
17 Dec 2020 PayPal Europe Sarl & Cie, SCA UpheldBanking and PaymentsDRN-2351401 The complaint Mr A has complained that PayPal Europe Sarl & Cie, SCA (PayPal) say that he owes them £2,450. He disputes this. What happened In January 2020, Mr A bought a service from a supplier for £2,450. His credit card account was debited through PayPal. He was unhappy ... (3 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 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 DRN4988280
11 May 2017 Foundation for Credit Counselling UpheldBanking and creditFoundation for Credit Counselling, trading as Stepchange, set up a Debt Management Plan (DMP) in May 2016 for Mr and Mrs S. They complain that their DMP erroneously included debts relating to two secured loans. They say that this error had a negative impact on their ... (2 pages)View decision -
Decision Reference DRN0657876
2 Nov 2017 Santander UK Plc Not upheldBanking and creditMrs H complains that she is being pursued for a debt which was written off by Santander UK Plc.backgroundMrs H held a credit card account with Santander. A debt collection company called Robinson Way are pursuing her for payment. She says that the debt was written of... (2 pages)View decision -
Decision Reference DRN7592104
9 Jun 2016 Hillesden Securities Limited Not upheldBanking and creditMr T complains that Hillesden Securities Limited (trading as dlc) wrongly asked him to pay a debt he knows nothing about.backgroundMr T says that dlc contacted him about a debt and, even though he said he did not admit liability for the debt and that it was statut... (2 pages)View decision -
Decision Reference DRN-5037714
23 Oct 2024 TRANSUNION INTERNATIONAL UK LIMITED UpheldConsumer CreditDRN-5037714 The complaint Mr G complains TransUnion International UK Limited incorrectly reported a debt on his credit file. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant elements of this below, and th... (7 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 DRN-5069853
23 Oct 2024 Tandem Home Loans Ltd UpheldMortgagesDRN-5069853 The complaint Mr and Mrs M complain that Tandem Home Loans Ltd continued to contact them regarding their debt despite them being declared bankrupt in 2017. They also said it has recorded incorrect information on their credit files. What happened In 2014, Mr and Mrs M took ou... (4 pages)View decision
