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 74313 results
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Decision Reference DRN7845672
28 May 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMr T complains about how Cabot Credit Management Group Limited responded to his request to remove a charging order.backgroundMr T told us that he jointly owned a property with his ex-partner. He said that there was a declaration of trust in place that meant he was on... (3 pages)View decision -
Decision Reference DRN3641588
11 Sep 2014 RG Debt Management Services Limited Not upheldBanking and creditMr M complains that RG Debt Management Services Limited, trading as Debt Line, failed to provide him with a satisfactory service. He is seeking a refund of Debt Line’s management fees.backgroundMr M entered into a debt management plan with Debt Line in February 2011. He initially agree... (2 pages)View decision -
Decision Reference DRN0976520
16 Oct 2013 Britannica Recoveries S.a.r.l. Not upheldBanking and creditMrs R complains about a debt Britannica Recoveries S.a.r.l is asking her to repay. She has questioned whether it can collect the debt as it is a result of a county court judgment (CCJ) for the original creditor. She is also unhappy with the way her enquiries have been dealt with, that ... (2 pages)View decision -
Decision Reference DRN-1382377
17 Nov 2020 Debt Managers (Services) Limited UpheldConsumer CreditDRN-1382377 The complaint Mr W complains that Debt Managers (Services) Limited are chasing him for a debt that isn’t his. He also complains that the resulting marker on his credit file has prevented him from getting mortgages. What happened Mr W said he received a letter from a debt manage... (2 pages)View decision -
Decision Reference DRN-2522022
28 Jan 2021 Lowell Financial Ltd Not upheldBanking and PaymentsDRN-2522022 The complaint Mr M complains about Lowell Financial Ltd’s actions when seeking to recover a debt. Mr M says Lowell has failed to show the debt it is seeking to collect was taken out by him. Mr M also complains that Lowell failed to treat him fairly despite being aware of his ci... (3 pages)View decision -
Decision Reference DRN-2895478
15 Jul 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2895478 The complaint Mr S complains that Vanquis Bank Limited (Vanquis) lent to him irresponsibly. What happened Mr S had a credit card from Vanquis since 2012. His credit limit was increased four times – in January 2013, June 2013, November 2013 and October 2015. The last increase wa... (3 pages)View decision -
Decision Reference DRN-3603289
15 Sep 2022 Kensington Mortgage Company Limited UpheldMortgagesDRN-3603289 The complaint Mr and Mrs B complain that Kensington Mortgage Company Limited (trading as Kensington Mortgages) is unfairly pursuing them for a shortfall debt some eight years after it took their property into possession and sold it. What happened Mr and Mrs B had a mortgage wit... (3 pages)View decision -
Decision Reference DRN2211913
14 Feb 2017 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr B is complaining that The Royal Bank of Scotland Plc (RBS) has used the compensation it offered for the mis-selling of a payment protection insurance (PPI) policy, attached to a loan, to reduce the outstanding debt on that loan account.backgroundMr B took out a loa... (4 pages)View decision -
Decision Reference DRN-5184439
6 Dec 2024 Town & Country Legal Services LLP Not upheldConsumer CreditDRN-5184439 The complaint Mr B complains Town & Country Legal Services LLP (T&C) didn’t independently verify they were collecting a debt he owed – when actually the debt was fraudulently taken out in his name. What happened A loan was taken out using some of Mr B’s details for ... (3 pages)View decision -
Decision Reference DRN-3821092
23 Nov 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3821092 The complaint Miss G complains that Lloyds Bank PLC mishandled its recovery of funds lent to her under a Bounce Back Loan, and in particular that it incorrectly advised her that she was entitled to money held in her account that it subsequently used to repay a debt. What happen... (4 pages)View decision
