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 DRN2479766
10 Sep 2015 Haydon Associates Debt Management Consultants Ltd UpheldBanking and creditMr W complains Haydon Associates Debt Management Consultants Ltd (trading as “Resolve Money Matters”) agreed to help him reduce his debts but hasn’t done so.backgroundIn June 2013 Mr W agreed that Resolve Money Matters would help him reduce his debts. Resolve Money Matt... (2 pages)View decision -
Decision Reference DRN5226860
21 Oct 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMr C complains that a debt Cabot Credit Management Group Limited (“Cabot”) are pursuing him for is unenforceable and that they’ve been aggressive when chasing him for it.Mr C has been represented by a third party in this complaint but for ease I will refer to Mr C throughout this decision.... (3 pages)View decision -
Decision Reference DRN2771506
3 Sep 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMrs R and Mr S through their solicitors ML complain Legal & General Partnership Services Limited (“L & G”) gave them poor advice about debt consolidation. They want compensation.backgroundMrs R and Mr S said they were advised by L & G to borrow more mone... (2 pages)View decision -
Decision Reference DRN5469945
28 Nov 2016 Lowell Financial Ltd Not upheldBanking and creditMr S complains that Lowell Financial Ltd (the business) is pursuing him for a debt he disputes.backgroundMr S says that the disputed debt was from over five years ago. He says that the original debt provider took his payment books saying it needed them for audit purpo... (2 pages)View decision -
Decision Reference DRN-2928464
21 Oct 2021 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2928464 The complaint Mr L complains that National Westminster Bank Plc (NatWest) are pursuing him for a debt. What happened On 3 March 2021, the balance of Mr L’s joint account with his wife was £2,328.01 debit - with an overdraft limit of £2,500. On 4 March 2021, £5,000 was paid into... (2 pages)View decision -
Decision Reference DRN-2274941
18 Dec 2020 Lowell Financial Ltd Not upheldBanking and PaymentsDRN-2274941 The complaint Miss R says Lowell Financial Limited is treating her unfairly because it will not remove two separate defaults from her credit file on two different debts that it holds. What happened Miss R says that her extreme personal circumstances and failings of the firms wi... (3 pages)View decision -
Decision Reference DRN6127208
9 Nov 2016 RG Debt Management Services Limited Not upheldBanking and creditMrs O, and her representative (a claims management company), have complained that RG Debt Management Service Limited (trading as Debt Line), didn’t make it clear to her that she could obtain a fee free service elsewhere in order to manage her debts.backgroundMrs O e... (3 pages)View decision -
Decision Reference DRN-2436185
18 Jan 2021 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-2436185 The complaint Mrs R is complaining about the administration of her credit card account by Capital One (Europe) plc. What happened Mrs R moved overseas in 2010. She was struggling to pay off her credit card debts so in May 2011 she contacted a UK debt charity who set up a debt m... (3 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 DRN4349709
6 Aug 2014 Arrow Global Accounts Management Limited Not upheldBanking and creditMiss K complains that Arrow Global Accounts Management Limited is pursuing her for a debt that she has repaid.backgroundThe adjudicator did not recommend that the complaint should be upheld. He said that:-Two debts for significantly different amounts were sold by the same lender in ... (1 page)View decision
