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-3139788
16 Mar 2022 Hoist Finance UK Limited Not upheldConsumer CreditDRN-3139788 The complaint Mr S is unhappy with how Hoist Finance UK Limited have handled a refund which was used to offset his debt. What happened Mr S says he had an outstanding debt on his credit card with a bank who I’ll refer to as B. The amount was £411.01 and this debt was purchased ... (2 pages)View decision -
Decision Reference DRN6631585
3 Mar 2020 Capital One (Europe) plc Not upheldBanking and creditMr C complains that Capital One (Europe) plc didn’t inform him that it had assigned a debt he owed on a credit card agreement to another business.backgroundMr C tells us he first took out a credit card agreement with Capital One in 2008. At various times over the following years he says he... (2 pages)View decision -
Decision Reference DRN-3760774
4 Nov 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3760774 The complaint Mrs B complains that she didn’t get help from National Westminster Bank Plc (NatWest) when she was in persistent debt. What happened Mrs B had a credit card from NatWest. The limit was £14,300. In March 2020, the balance was £14,132 and in September 2020, the bala... (3 pages)View decision -
Decision Reference DRN-4732644
19 Feb 2025 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-4732644 The complaint Miss B complains that Lowell Portfolio I LTD (Lowell) are pursuing her for a debt she says she is not responsible for. What happened Miss B had a current account including an overdraft facility with a bank I’ll refer to as Firm A for the purposes of this decisio... (3 pages)View decision -
Decision Reference DRN7845672
28 May 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMr T complains about how Cabot Credit Management Group Limited responded to his request to remove a charging order.backgroundMr T told us that he jointly owned a property with his ex-partner. He said that there was a declaration of trust in place that meant he was on... (3 pages)View decision -
Decision Reference DRN6060575
17 Nov 2015 Lighthouse Group Not upheldBanking and creditMr D complains that the advice given to him when he re-mortgaged his home was unsuitable.backgroundMr D approached Lighthouse Group for advice on re-mortgaging his home in 2007. At the time, he had significant additional debt and Lighthouse Group advised him to re-mortg... (2 pages)View decision -
Decision Reference DRN-2657126
30 Apr 2021 NCO Europe Limited Not upheldConsumer CreditDRN-2657126 The complaint Mr N complains NCO Europe Limited are harassing and intimidating him into repaying debts for two accounts that are unenforceable. The debts are owned by another company, but as Mr N’s concerns relate to NCO I’ve mainly referred to them in this decision. What happe... (3 pages)View decision -
Decision Reference DRN0767663
27 Mar 2014 Barclays Bank Plc Not upheldBanking and creditMr B complains that Barclays Bank PLC sold the debts on his two credit cards to a debt collection agency. He also disagrees with the balance figure that Barclays transferred. Mr B also has a complaint about the interest charged by the debt collection agency, and the type of document ... (1 page)View decision -
Decision Reference DRN3389669
17 Dec 2013 Lloyds Bank PLC Not upheldBanking and creditMr J complains about the way that Lloyds Bank plc (previously Lloyds TSB Bank plc) has dealt with him in connection with the enforcement of a personal guarantee. backgroundMr J, jointly with another director, gave a director’s personal guarantee to Lloyds in support of the bank’s lend... (2 pages)View decision -
Decision Reference DRN3208366
24 Nov 2015 Cabot Financial (Europe) Limited UpheldBanking and creditMr H complains that Cabot Financial (Europe) Limited can’t prove that he owes a debt it is chasing him to repay.background Mr H asked Cabot to provide proof of his debt in the form of credit agreements and proof that it legally owns the debt. Mr H was making repayme... (2 pages)View decision
