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 69711 results
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Decision Reference DRN2615052
7 Apr 2021 Bank of Scotland Plc Not upheldBanking and creditMr B complains about the way Bank of Scotland plc (trading as Halifax) pursued him for the shortfall debt after his property was sold. He asks that Halifax deals with him directly instead of through debt collection agencies and puts in place a payment plan with proper accounting. Mr B is r... (2 pages)View decision -
Decision Reference DRN9545886
15 Oct 2020 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs D have complained that further advances on their mortgage with Bank of Scotland plc (trading as Halifax) were unsuitable and that Halifax should not have agreed to this borrowing. To put things right they want Halifax to write off the mortgage. background In 2003 Mr and Mrs D to... (3 pages)View decision -
Decision Reference DRN-1805492
22 May 2020 Capital One (Europe) plc Not upheldInsuranceDRN-1805492 The complaintMr L has complained about the way Capital One (Europe) Plc (Capital One) has used the compensation to settle his complaint about the mis-sale of payment protection insurance (PPI) related to a credit card. What happenedMr L took out a credit card with Capital One a... (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 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 -
Decision Reference DRN1562052
16 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMr and Mrs M complain about a debt reduction agreement that they took out with NEO Media Solutions Limited, trading as One Debt Solution. They complain that it did not pay money to their creditors as it had agreed to do.backgroundMr and Mrs M entered into a debt reduction agreement with... (2 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 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 DRN9462037
17 Oct 2014 MKDP LLP Not upheldBanking and creditMrs K complains that MKDP LLP is wrongly asking her to pay disputed debts, and will not mark the defaults as satisfied on her credit file.backgroundMrs K owed two debts, for current account overdraft and credit card borrowing, to a financial business (‘T’). She was unable to pay these... (2 pages)View decision -
Decision Reference DRN7083903
16 Jan 2019 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mrs Y complains about how The Royal Bank of Scotland Plc (‘RBS’) used the compensation to settle her complaint about mis-sold payment protection insurance (PPI) to off-set against debt on her account.backgroundMrs Y took out a loan (ended 7120) in August 1992. The loan ... (2 pages)View decision
