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 DRN8256716
27 Sep 2016 Arrow Global Limited Not upheldBanking and creditMs C complains that Arrow Global Limited (“AGL”) had unreasonably delayed in pursuing a debt and applied a charging order to her property without her knowledge on a debt which she believed was unenforceable.backgroundMs C had a credit card debt with a credit card pro... (3 pages)View decision -
Decision Reference DRN2497163
20 Mar 2020 Canada Square Operations Limited Not upheldPayment protection insurance (PPI)Mr W has complained about the way Canada Square Operations Limited (“Canada Square”) has used the compensation it offered to settle a complaint about mis-sold payment protection insurance (“PPI”).backgroundMr W took out two loans with Canada Square. With each loan he took out a PPI policy.... (3 pages)View decision -
Decision Reference DRN4179862
21 Apr 2015 American Express Services Europe Limited Not upheldBanking and creditMr B complains that American Express Services Europe Limited passed his debt to a third party despite agreeing not to do so. backgroundMr B used his Amex card for several purchases in April 2014 and the due date for payment was 2 May. He did not make that payment bec... (2 pages)View decision -
Decision Reference DRN1139857
18 Apr 2016 The Co-operative Bank Plc Not upheldPayment protection insurance (PPI)Mr W’s complaint is about the way The Co-operative Bank Plc (the Co-op) dealt with claim payments made under a payment protection insurance (PPI) policy he took out with a loan. backgroundIn March 2005 Mr W took out a loan with the Co-op for £15,000. At the sam... (3 pages)View decision -
Decision Reference DRN4659675
4 Jun 2019 Link Financial Outsourcing Limited UpheldBanking and creditMr M complains that Link Financial Outsourcing Limited asked him to pay a balance which he’s already paid.backgroundMr M previously owed a debt in relation to a credit card account which he says was paid in full under a debt management plan.In or around September 2... (2 pages)View decision -
Decision Reference DRN5105129
6 Jul 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr F complains that he was mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.backgroundMr F had a mortgage. Acting on L&G’s advice, he re-mortgaged, switching lender and consolidating some unsecured debt. This wa... (3 pages)View decision -
Decision Reference DRN7217241
20 Mar 2014 Bournes Limited UpheldBanking and creditMr H complains about a debt management plan he entered into with Bournes Limited. He says Bournes never explained how the plan would operate and payments were not distributed to his creditors as he expected them to be. He complains once he realised what had happened he pursued Bournes ... (3 pages)View decision -
Decision Reference DRN-5199237
15 Jan 2025 etika Finance UK Limited Not upheldConsumer CreditDRN-5199237 The complaint Mr D complains that Etika Finance UK Limited was irresponsible when it offered him credit. What happened Etika agreed credit of £327.39 for Mr D in September 2019. The total amount owed was £407.47 to be repaid at £11.32 a month over 36 months. Mr D met his re... (3 pages)View decision -
Decision Reference DRN-5024638
3 Oct 2024 National Westminster Bank Plc Not upheldConsumer CreditDRN-5024638 The complaint Mr G complains that National Westminster Bank Plc led him to believe that his debts had been consolidated into one account, when they had not been, and that as a result he unexpectedly still owes a substantial debt. What happened Mr G had a mortgage, a personal... (3 pages)View decision -
Decision Reference DRN5589444
29 Sep 2016 Debt Advisory Line Limited UpheldBanking and creditMr W, represented by a claims management company (CMC), says that the debt management plan (DMP) set up for him by Debt Advisory Line Limited (DAL) was mis-sold. backgroundMr W says that he was mis-sold the DMP and an IVA should have been proposed.The CMC says that Mr... (2 pages)View decision
