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 70502 results
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Decision Reference DRN-3040348
9 Sep 2021 Gregory Pennington Limited UpheldConsumer CreditDRN-3040348 The complaint Mrs W has complained that Gregory Pennington Limited failed to include one of her debts in a settlement offer after she gave them the required lump sum. What happened Mrs W was in a debt management plan with Gregory Pennington. In January 2020, Mrs W arranged for ... (4 pages)View decision -
Decision Reference DRN8492610
11 Jan 2018 Nationwide Building Society Not upheldBanking and creditMrs H complains that Nationwide Building Society didn’t include her personal loan in a debt management plan. She also disputes the amount of her credit card debt that was included in the plan.backgroundMrs H went into a debt management plan with the help of a third... (2 pages)View decision -
Decision Reference DRN3084869
17 Apr 2014 Lawrence Charlton Limited Not upheldBanking and creditMr L complains that Lawrence Charlton Limited misled him about both how quickly his debts would be cleared, and how much he would have to repay.backgroundIn September 2009, Mr L contacted Lawrence Charlton to discuss entering into a debt management plan. He provided details of his debt... (1 page)View decision -
Decision Reference DRN-3798813
9 Nov 2022 Capquest Debt Recovery Limited UpheldConsumer CreditDRN-3798813 The complaint Mr G has complained that Capquest Debt Recovery Limited have been pursuing him for a debt despite his debts being written off under a Debt Relief Order (DRO). What happened This complaint surrounds a loan agreement that was sold to Capquest in 2005. In February 20... (3 pages)View decision -
Decision Reference DRN3454491
10 Sep 2019 Paragon Finance Plc Not upheldBanking and creditMs M has complained as she thinks Paragon Finance Plc, trading as Idem Servicing, is chasing her for a debt that is unenforceable.backgroundMs M made a request to Idem Servicing under section 77/78 of the Consumer Credit Act 1974 (CCA) for information about the debt. Idem Servicing has acc... (3 pages)View decision -
Decision Reference DRN9046825
12 Jul 2013 Lloyds TSB Bank Plc UpheldBanking and creditMr B complains that Lloyds TSB Bank plc wrote to him directly about a debt which was included in a debt relief order and that it sold the debt to a firm of debt collectors. Mr B is assisted in bringing his complaint by his relative, Miss B. backgroundA debt relief order was made in relat... (2 pages)View decision -
Decision Reference DRN5505815
13 May 2014 Santander UK Plc Not upheldBanking and creditMiss D complains that Santander UK Plc is seeking repayment of a loan she has previously repaid. She also complains that the bank placed an adverse notice on her credit file.backgroundIn 2004 Miss D took out a loan with Cahoot, which is now owned by Santander. In 2008 she contacted a d... (1 page)View decision -
Decision Reference DRN-2685901
16 Apr 2021 Cabot Credit Management Group Limited UpheldConsumer CreditDRN-2685901 The complaint Mr L complains that Cabot Credit Management Group Limited is unfairly refusing to write off an outstanding debt What happened In 2013, Cabot bought Mr L’s debt from a business that I will call “E”. Mr L has been making regular repayments to Cabot through a debt ma... (3 pages)View decision -
Decision Reference DRN-2203345
7 Oct 2020 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2203345 The complaint Miss M has complained that Cabot Credit Management Group Limited are chasing her for a debt she says she doesn’t owe. What happened In February 2019, Cabot bought this debt from the original owner. They sent a notice of assignment to Miss M. Miss M replied with a ... (2 pages)View decision -
Decision Reference DRN0363559
15 Nov 2016 Debt Advisory Line Limited Not upheldBanking and creditMr and Mrs P complain that a debt management plan was mis-sold to them by Debt Advisory Line Limited. They are being helped with their complaint by a representative. backgroundMr and Mrs P entered into a debt management plan with Debt Advisory Line in August 2010.... (2 pages)View decision
