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 74386 results
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Decision Reference DRN-4422912
15 Nov 2023 Equifax Limited Not upheldConsumer CreditDRN-4422912 The complaint Mr E complains about an entry on his Equifax Limited credit file. What happened Earlier this year, Mr E contacted Equifax and raised concerns about an entry on his credit file. Mr E explained a defaulted credit card debt reported by a business I’ll refer to as C w... (2 pages)View decision -
Decision Reference DRN-2476885
28 Oct 2021 Arrow Global Limited Not upheldConsumer CreditDRN-2476885 The complaint Mr B complains Arrow Global Limited are asking him to repay a debt he doesn’t think they should be. A number of other companies have been involved in contacting Mr B about this debt, but as Arrow are responsible for the complaint, I’ve just referred to them in thi... (5 pages)View decision -
Decision Reference DRN-4318416
27 Sep 2023 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-4318416 The complaint Mr G complains about legal action Cabot Credit Management Group Limited intends to take in relation to a credit card debt. What happened Mr G had a credit card with a business I’ll call N that was closed at default in June 2022. Cabot purchased the debt from N in ... (3 pages)View decision -
Decision Reference DRN-3425644
31 May 2022 Debt Managers (Services) Limited UpheldConsumer CreditDRN-3425644 The complaint Miss P has complained that Debt Managers (Services) Limited continued to chase her for a fraudulent debt, even when they agreed it wasn’t hers. What happened This complaint is about a consumer credit account that was taken out in 2015 and sold to Debt Managers in ... (3 pages)View decision -
Decision Reference DRN7925805
8 Jul 2014 Pentagon (UK) Limited Not upheldBanking and creditMiss W and Mr T complain that: Pentagon (UK) Limited (trading as EuroDebt Financial Services) failed to tell them that their lender was unlikely to agree to freeze interest if they entered into a debt management plan, and when it did in fact refuse to do so; and the debt managem... (3 pages)View decision -
Decision Reference DRN-4619746
26 Nov 2024 Bank of Scotland Plc Not upheldConsumer CreditDRN-4619746 The complaint Mr M is unhappy with Bank of Scotland plc, trading as Halifax’s (Halifax) handling of his overdraft debt. Mr M says Halifax used the wrong date for reporting the default to the Credit Reference Agencies (CRAs) and has expressed concerns about the sale of the de... (4 pages)View decision -
Decision Reference DRN-3214100
15 Dec 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3214100 The complaint Mr B complained about Barclays Bank UK PLC. He’d been a victim of identity theft, with a fraudulent Barclays account set up in his name, and a debt incurred on it. Barclays said it had closed the fraudulent account, but around 18 months later, Mr B was contacted a... (4 pages)View decision -
Decision Reference DRN7162934
30 Apr 2019 Barclays Bank UK PLC Not upheldBanking and creditMiss R complains that the Specialist Care Handling Team (“SCHT”) at Barclays Bank UK PLC hasn’t contacted her despite assurances that it would. backgroundIn April 2017 Miss R contacted Barclays and asked it to write off her debts as she was experiencing financial di... (2 pages)View decision -
Decision Reference DRN9024551
11 Jul 2019 Bank of Scotland Plc UpheldBanking and creditMr H complains that Bank of Scotland plc trading as Halifax hasn’t treated him properly in relation to a shortfall debt following the sale of his property in 2008. Mr H would like the debt written off.backgroundMr H and his partner had a mortgage with Halifax. Halifax got an order for poss... (2 pages)View decision -
Decision Reference DRN5548630
7 Aug 2014 Link Financial Limited Not upheldBanking and creditMr E complains that Link Financial Limited has harassed him over an outstanding debt. It has also given him contradicting advice over whether the debt is to be written off. backgroundMr E had a bank account with a financial provider. The account had an outstanding balance. It was default... (2 pages)View decision
