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 DRN-4860977
1 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4860977 The complaint Mr S complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. He wants all interest and charges applied to his accounts refunded along with compensatory interest and any adverse information removed from his credit file. Mr S is represe... (4 pages)View decision -
Decision Reference DRN-4281561
3 Aug 2023 Pareto Financial Planning Limited Not upheldPensions and AnnuitiesDRN-4281561 The complaint Mr E complains that he was given unsuitable advice by Pensionhelp Limited to transfer deferred benefits from his Defined Benefit (DB) pension with British Steel (BSPS) to a personal pension. At the time of the advice Pensionhelp was an appointed representative of ... (6 pages)View decision -
Decision Reference DRN9373561
18 Mar 2015 Lloyds Bank PLC UpheldBanking and creditMrs E complains that Lloyds Bank PLC is holding her liable for an outstanding debt on a joint account despite not notifying her of the debt. She does not want to be held responsible for the debt. background Mrs E received a letter from Lloyds seeking repayment of a d... (2 pages)View decision -
Decision Reference DRN-4586355
27 Feb 2024 Debt Managers (Services) Limited Not upheldConsumer CreditDRN-4586355 The complaint Mr K has complained that Debt Managers (Services) Limited recorded a default on his credit file, for an account which he says was taken out fraudulently without his consent. What happened In 2018, a consumer credit account was opened in Mr K’s name at his address.... (3 pages)View decision -
Decision Reference DRN-3824816
28 Nov 2022 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-3824816 The complaint Mr M complains Cabot Credit Management Group Limited trading as Cabot have treated him unfairly when attempting to collect debts he has with them. What happened I previously issued a provisional decision setting out what’d happened, and my thoughts on that. I’ve c... (5 pages)View decision -
Decision Reference DRN5288134
19 Oct 2015 Home Retail Group Card Services Limited Not upheldBanking and creditMr G has a store card with Home Retail Group Card Services Limited (HRG). HRG has instructed a debt collection agency to recover from Mr G a debt that, it says, is linked to this account and belongs to him.Mr G complains that HRG has not supplied evidence to show th... (2 pages)View decision -
Decision Reference DRN2259159
21 Jul 2015 1st Credit Limited UpheldBanking and creditMr H complains that 1st Credit Limited wrongly made him bankrupt when he was repaying his debt through a debt management company.backgroundMr H had difficulties repaying his debt to 1st Credit and he had been in a repayment plan that had failed. In August 2013 Mr H ... (2 pages)View decision -
Decision Reference DRN9575389
3 Jan 2018 Moorcroft Debt Recovery Limited Not upheldBanking and creditMr L complains that Moorcroft Debt Recovery Limited (Moorcroft) are pressurising him to make payments against a debt he doesn’t think he owes and that they haven’t taken account of his mental and physical disabilities.backgroundMr L opened a credit card account in 2007 ... (3 pages)View decision -
Decision Reference DRN0407663
5 Apr 2017 Legal & General Partnership Services Limited UpheldBanking and creditMrs F’s complaint is that she was mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).Mrs F is represented in this complaint by a firm of solicitors. But for ease I’ll refer to their actions and comments as ... (6 pages)View decision -
Decision Reference DRN3441339
21 May 2013 Bank of Scotland Plc Not upheldBanking and creditMr B complains that Bank of Scotland plc trading as Halifax increased the limit on his credit card without his consent and without telling him. This caused him to get in to financial difficulty and the bank then pressured him for repayment. He has also been misinformed about how to chang... (2 pages)View decision
