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 71745 results
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Decision Reference DRN-4162946
13 Nov 2023 Lowell Portfolio I Ltd Not upheldBanking and PaymentsDRN-4162946 The complaint Miss R complains that Lowell Portfolio I Ltd say she owes a debt relating to a credit card account. What happened Miss R had a credit card account with a company I’ll refer to as “V”. Lowell purchased the outstanding debt on the credit card account in September 20... (2 pages)View decision -
Decision Reference DRN-4216940
11 Jul 2023 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4216940 The complaint Mr L complains that Capital One (Europe) plc has refused to write off his debt and has not fairly considered that request. What happened Mr L says he asked Capital One to write off his credit card account debt. He says he has a number of health issues which mean h... (2 pages)View decision -
Decision Reference DRN-2559793
17 Mar 2021 National Westminster Bank Plc UpheldBanking and PaymentsDRN-2559793 The complaint D complains about National Westminster Bank Plc (“NatWest”) for its decision to deny his business account longer forbearance on an overdraft debt and its decision to transfer the account to debt recovery. D wants the account to remain out of debt recovery and for ... (3 pages)View decision -
Decision Reference DRN4259963
27 Oct 2016 Arrow Global Limited UpheldBanking and creditMr S complains that Arrow Global Limited (Arrow) has been wrongly chasing him for a debt he doesn’t owe. He wants compensation for the distress and inconvenience he says this caused him.backgroundI issued my provisional decision in September 2016, a copy of which is at... (3 pages)View decision -
Decision Reference DRN3959224
11 Dec 2018 Lowell Financial Ltd Not upheldBanking and creditMr A complains that Lowell Financial Ltd refused to remove two defaulted accounts from his credit file and took too long to respond to his complaint.backgroundMr A says he noticed two defaults on his credit file which had been recorded by Lowell. He says he contact... (2 pages)View decision -
Decision Reference DRN-4040359
23 Mar 2023 Telefonica UK Limited Not upheldConsumer CreditDRN-4040359 The complaint Mr S complains that Telefonica UK Limited (“Telefonica”) treated him unfairly in relation to more than one fixed sum loan he held with it. What happened Mr S was provided with three fixed sum loans by Telefonica to finance the purchase of electronic devices. I und... (4 pages)View decision -
Decision Reference DRN5274752
3 Dec 2015 Barclays Bank Plc Not upheldBanking and creditMr E complains Barclays Bank Plc recorded default information on his credit file about his personal and business accounts. He thinks it gave him vague information and didn’t advise him properly about his business debts.backgroundMr E told us Barclays dealt with his ... (3 pages)View decision -
Decision Reference DRN-4287830
7 Sep 2023 ACI-UK LIMITED Not upheldConsumer CreditDRN-4287830 The complaint Mr I complains about the way that ACI-UK Limited (ACI) has managed the collection of a debt in his name. Mr I wants ACI to accept his settlement offer and write the debt off. What happened In 2022, ACI bought an account in Mr I’s name. The account was originally h... (2 pages)View decision -
Decision Reference DRN6616016
30 Aug 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr L complains about excessive charges on his account with Lloyds TSB Bank plc. He says that he has been experiencing financial hardship, and the charges have been making things worse for years. He would like the bank to refund charges of more than £4,000, which were applied to his accou... (2 pages)View decision -
Decision Reference DRN5628612
7 Nov 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr B and Miss C complain they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L & G”).backgroundMiss C had a variable rate mortgage. At L & G’s recommendation she remortgaged with another lender. In doing so she added ... (2 pages)View decision
