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 70370 results
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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 DRN8167607
20 Apr 2015 RG Debt Management Services Limited Not upheldBanking and creditMr M complains about RG Debt Management Services Limited (trading as Debt Line). He says that, although it promised to reduce his debts, stop charges and make him debt free, since he had been paying for its services one of his debts had nearly doubled and he had overp... (2 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 DRN4661245
10 Feb 2014 Capital One (Europe) plc Not upheldBanking and creditMrs S complains that a credit card account with Capital One (Europe) plc was fraudulently set up in her name. The complaint is brought on her behalf by her representative, “Mr T”.backgroundMrs S says that her former partner took out a credit card in her name and kept it concealed from he... (3 pages)View decision -
Decision Reference DRN1405731
20 Sep 2016 Arrow Global Limited Not upheldBanking and creditMr C complains that Arrow Global Limited (“Arrow”) is chasing him for payment of a debt he doesn’t owe it. He wants Arrow to admit he doesn’t owe the debt and correct his credit file.backgroundIt appears that Mr C had two credit cards with a credit card company. ... (2 pages)View decision -
Decision Reference DRN2154123
14 Aug 2015 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr B’s complaint is about how The Royal Bank of Scotland Plc (RBS) used the compensation it offered to settle his complaint about a payment protection insurance (PPI) policy taken out with a mortgage. Mr B wants RBS to pay all the compensation directly to him.backgrou... (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 -
Decision Reference DRN7141971
10 Dec 2019 MBNA Limited Not upheldBanking and creditMr M says that his father opened an MBNA credit card account in his name, but without hisknowledge or authority. He’s complained that, when he found out what had happened,MBNA Limited wouldn’t write off the debt on the account.backgroundIn April 2016 MBNA received an online application for... (3 pages)View decision -
Decision Reference DRN4949220
21 Nov 2014 Lloyds Bank PLC Not upheldBanking and creditMr H complained because debt collectors have been pursuing him for payment of a Lloyds Bank PLC credit card debt. He has never had a Lloyds credit card and the debt is not his.backgroundMr H lives abroad, and his elderly parents live in the UK. From 2007 onwards, letters were sent to h... (2 pages)View decision
