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 74386 results
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Decision Reference DRN1314385
11 Jul 2018 Lowell Financial Ltd Not upheldBanking and creditMr P complains that Lowell Financial Ltd has not provided him with the information he has requested to prove the debt he paid towards was his.backgroundMr P says that around 2007 his house was repossessed and the bank with which he held a mortgage (the bank) recover... (3 pages)View decision -
Decision Reference DRN3281670
23 Apr 2019 Prestige Finance Limited Not upheldBanking and creditMrs H complains that Prestige Finance Limited is unfairly asking her to repay a loan she didn’t receive. She asks that the debt is written off or she’s given the loan money. The loan was taken out jointly with Mrs H’s late husband (Mr H). The executors of Mr H’s esta... (3 pages)View decision -
Decision Reference DRN1490845
10 Jan 2018 Pentagon (UK) Limited Not upheldBanking and creditMr A1 and Mr A2 complain about a debt management plan administered by Pentagon (UK) Limited (“Pentagon”).backgroundMr A1 and Mr A2 took out a joint debt management plan with Pentagon in 2004. At theoutset they paid an instruction fee and thereafter a monthly, ma... (5 pages)View decision -
Decision Reference DRN-5155337
19 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5155337 The complaint Ms L complains that NewDay Ltd (NDay) lent to her irresponsibly. What happened In March 2016, NDay agreed to give a credit card to Ms L, and then offered and applied increases in the limit as shown: Limit increase number Date Limit March 2016 (new account) £30... (4 pages)View decision -
Decision Reference DRN7685528
16 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs S complain, via a claims management company, that an authorised representative of Legal & General Partnership Services Limited (L&G) advised them to consolidate unsecured debt onto a mortgage, which they say was not in their best interests.backgroundMr an... (3 pages)View decision -
Decision Reference DRN-2473521
2 Mar 2021 Capital One (Europe) plc Not upheldInsuranceDRN-2473521 The complaint Mr P complains that Capital One (Europe) plc has used the compensation due to him from a payment protection insurance (PPI) policy to reduce his outstanding debt with it. Mr P took out a credit card with Capital One in 2004 and took out the PPI at the same time. T... (3 pages)View decision -
Decision Reference DRN-4512670
21 Nov 2024 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4512670 The complaint Miss F complains National Westminster Bank Plc unfairly closed her student account and passed her account to a debt collection agency. What happened Miss F has a representative on her complaint, but for ease I will refer to Miss F only. Miss F opened a studen... (4 pages)View decision -
Decision Reference DRN1167876
23 Sep 2018 Paragon Finance Plc Not upheldBanking and creditMr T complains that Paragon Finance Plc trading as Idem Servicing (“Idem”) acted unfairly and unreasonably by contacting him about a mortgage shortfall debt without being willing to prove it owned the debt or explain at first why it was contacting him. He wants Idem t... (2 pages)View decision -
Decision Reference DRN0758944
18 Oct 2017 Debt Managers (Services) Limited Not upheldBanking and creditMr H complains that Debt Managers (Services) Limited (‘DMS’) is pursuing him in relation to a debt of which he has no knowledge. He wants it to stop chasing him.backgroundMr H held a joint bank account with another party. Around fifteen years ago, that account was in... (2 pages)View decision -
Decision Reference DRN2189372
7 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMiss B complains about a debt reduction agreement that she took out with NEO Media Solutions Limited, trading as One Debt Solution. She complains that it did not pay money to her creditors as it had agreed to do and that it did not respond to her concerns satisfactorily.backgroundMiss B... (2 pages)View decision
