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 70661 results
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Decision Reference DRN-3704982
29 Sep 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3704982 The complaint Ms G complains that AvantCredit of UK LLC lent to her when she could not afford it. What happened Ms G’s application to AvantCredit did state that she needed the £6,000 loan in 2016 for debt consolidation. Recently AvantCredit has made submissions on that and I wi... (5 pages)View decision -
Decision Reference DRN9579504
10 Nov 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs F complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).backgroundIn 2006 L&G’s representative recommended a two year fixed rate mortgage on a repayment basis to Mr an... (3 pages)View decision -
Decision Reference DRN7958800
30 Sep 2016 Butler-Do Ltd Not upheldBanking and creditMs R and her representative are unhappy about the advice she was given by Butler-Do Ltd to enter into a debt management plan. They say it was mis-sold to her and wasn’t the appropriate solution for her situation. She wasn’t told of other free similar services. She... (2 pages)View decision -
Decision Reference DRN2294012
29 Sep 2017 Cabot Credit Management Group Limited Not upheldBanking and creditMr W complains that Cabot Credit Management Group Limited registered information on his credit file which he thinks it was not entitled to do.He asks that it stops putting “default notices” of his credit file, removes those that are there already and pay him reasonabl... (3 pages)View decision -
Decision Reference DRN0316207
28 May 2013 EUI Limited UpheldInsurance (excluding PPI)Mrs L has complained that a debt collection agency is pursuing her for a debt related to her motor insurance policy, which she believed had been resolved in September 2008. backgroundMrs L had been insured with EUI Limited (trading as Diamond) for some years. At her 2008 renewal, sh... (2 pages)View decision -
Decision Reference DRN5442596
24 Mar 2015 Blue Finance Management Limited UpheldBanking and creditMiss G complains that Blue Finance Management Limited (trading as DEBTPLAN Direct) (the business) set up a debt management plan (DMP) for her that was not in her best interest and did not tell her about the upfront charges. backgroundMiss G says that the business ca... (2 pages)View decision -
Decision Reference DRN5938919
4 Nov 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMrs R complains that a debt management plan was mis-sold to her by Harrington Brooks (Accountants) Limited. She is being helped with her complaint by a representative.backgroundMrs R entered into a debt management plan with Harrington Brooks in July 2009. Her representat... (2 pages)View decision -
Decision Reference DRN-3061393
21 Sep 2021 Secure Trust Bank Plc UpheldConsumer CreditDRN-3061393 The complaint Miss L has complained that Secure Trust Bank Plc lent to her irresponsibly. What happened In 2015, Miss L took out an unsecured loan with Secure Trust for a total of approximately £8,200 over 36 months. In 2016, she rolled it into a new Secure Trust unsecured loan... (4 pages)View decision -
Decision Reference DRN-2194412
12 Oct 2020 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-2194412 The complaint Ms B complains about the way in which Capquest Debt Recovery Limited (which I’ll call CDR) has chased her for payment of a debt bought from Halifax. What happened In or about June 2013 Halifax, part of Lloyds Banking Group, sold to Capquest Investments Limited (CI... (2 pages)View decision -
Decision Reference DRN1136544
10 Aug 2017 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr S is complaining that Capital One (Europe) plc has used the compensation it offered for the mis-selling of a payment protection insurance (PPI) policy attached to his credit card, to reduce his outstanding debt.backgroundMr S took out a credit card in 1999. At the ... (2 pages)View decision
