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 69426 results
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Decision Reference DRN3529845
1 Mar 2016 Cabot Financial (Europe) Limited Not upheldBanking and creditMr and Mrs J complain that Cabot Financial (Europe) Limited pursued them for a debt they didn’t owe, and failed to tell them it had bought that debt from the original creditor.background In March 2015 Mr and Mrs J were contacted by Cabot’s solicitors about a debt of... (2 pages)View decision -
Decision Reference DRN9543871
12 Sep 2014 Debt Connect (U.K.) Limited UpheldBanking and creditMiss Q and Mr D complain that Debt Connect (U.K.) Limited, trading as Debt Connect, has provided them with poor customer service. In particular, Debt Connect failed to forward to their creditors most of the monthly repayment amounts they sent to Debt Connect for onward distribution to ... (2 pages)View decision -
Decision Reference DRN-2170023
21 Oct 2020 Debt Managers (Services) Limited Not upheldConsumer CreditDRN-2170023 The complaint Mr F has complained that Debt Managers (Services) Limited are chasing him for a debt he says he doesn’t owe. What happened In May 2019, Debt Managers bought a defaulted loan debt from the original creditor, and sent a notice of assignment to Mr F. Mr F initially e... (3 pages)View decision -
Decision Reference DRN3305566
29 Jun 2018 Cabot Credit Management Group Limited Not upheldBanking and creditMiss M complains that a debt which was sold to Cabot Credit Management Group Limited and for which she is being chased has been settled.backgroundMiss M entered into a debt management plan with New Start in 2012. At the time she owed debts to Barclaycard and to Bar... (3 pages)View decision -
Decision Reference DRN-2921423
20 Oct 2021 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-2921423 The complaint Mr K complains that The Royal Bank of Scotland Plc (RBS) are pursuing him for two old debts. What happened Mr K had two debts. In January 2012, a debt of £772.85 (debt A) was referred to a debt collection agency (DCA). In August 2014, a debt of £1,178.37 (debt B) ... (3 pages)View decision -
Decision Reference DRN0060348
2 Jul 2018 Keith Meredith Not upheldBanking and creditMiss M complains that Keith Meredith (trading as New Start Financial Solutions Limited) made an error in administering her debt repayment plan resulting in a debt not being settled.backgroundMiss M entered into a debt management plan with New Start in 2012. She compla... (2 pages)View decision -
Decision Reference DRN3641686
30 Mar 2015 Haydon Associates Debt Management Consultants Ltd UpheldBanking and creditMrs D complains about the management of her debt reduction plan by Haydon Associates Debt Management Consultants Ltd. She is assisted in her complaint by the Citizens Advice Bureau (CAB).backgroundMrs D entered into a debt reduction plan with Haydon in early 2013 to all... (3 pages)View decision -
Decision Reference DRN-2419926
25 Jan 2021 Bank of Scotland Plc Not upheldConsumer CreditDRN-2419926 The complaint Miss G complains that a mistake made by Bank of Scotland plc (“BoS”) meant her direct debit to pay her loan was cancelled. She thought the loan was paid off, and retired, but now BoS wants her to pay the rest back. What happened Miss G said that she had a loan wit... (3 pages)View decision -
Decision Reference DRN8544987
25 Jun 2014 Debt Connect (U.K.) Limited UpheldBanking and creditMr W complains that he has not received moneys from Debt Connect (U.K.) Limited, which he considers are due to him after he closed his debt management account.our initial conclusionsOur adjudicator recommended that Mr W’s complaint should be upheld because Debt Connect had not adminis... (2 pages)View decision -
Decision Reference DRN-2666825
25 Mar 2021 Madison CF UK Limited UpheldConsumer CreditDRN-2666825 The complaint Mr S complained that Madison CF UK Limited trading as 118 118 Money (118 Money) lent to him irresponsibly and sold his debt to a debt collection agency. What happened Mr S took out a loan from 118 Money in October 2018 as follows: Date Amount Term Monthly repaymen... (4 pages)View decision
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