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
-
Decision Reference DRN2590538
15 May 2018 Bank of Scotland Plc UpheldBanking and creditMr H says that Bank of Scotland plc (trading as Halifax) cashed a cheque he sent in final settlement of his credit card debt and should therefore write off the outstanding debt.background Mr H has a credit card with Halifax with a debt of around £6,500. He had been... (2 pages)View decision -
Decision Reference DRN-3407957
7 Jun 2023 Home Retail Group Card Services Limited Not upheldConsumer CreditDRN-3407957 The complaint Mrs W complains that Home Retail Group Card Services Limited (trading as Argos Financial Services) reported missed payments on her credit file. What happened Mrs W had a catalogue shopping account with Argos. In August 2015 Mrs W entered a debt management plan wit... (2 pages)View decision -
Decision Reference DRN7143138
21 Oct 2020 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs C complain through their complaints management company (“CMC”) that they got unsuitable advice from Legal & General Partnership Services Limited (“L&G”) including to pay an early repayment charge (“ERC”) when they remortgaged in 2008. background Mr and Mrs C remortgaged ... (4 pages)View decision -
Decision Reference DRN-3968419
15 Feb 2023 Lowell Financial Ltd UpheldConsumer CreditDRN-3968419 The complaint Failed to send him appropriate evidence to say they’d taken over the debts, and have used his data illegally Are contacting him, as he’s got disputes over the two accounts they’ve purchased, and says they’re bullying and victimising him by affecting his health w... (8 pages)View decision -
Decision Reference DRN9830847
7 Nov 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMrs K complains that Harrington Brooks (Accountants) Limited, trading as Harrington Brooks Debt Management, (“HB”), didn’t provide her with satisfactory advice when she took out adebt management plan (“DMP”) with it. The complaint is brought to this service on Mrs K’s... (2 pages)View decision -
Decision Reference DRN3002680
6 Jan 2017 The Co-operative Bank Plc Not upheldBanking and creditMiss G complains that The Co-operative Bank Plc treated her unfairly when it passed account to a debt collection company.backgroundMiss G had an outstanding overdraft balance with The Co-op. Due to her personal circumstances, The Co-op agreed to suspend payments for si... (2 pages)View decision -
Decision Reference DRN5768520
30 Nov 2016 Foundation for Credit Counselling Not upheldBanking and creditMiss D and her representative are unhappy about the advice she was given by Foundation for Credit Counselling (trading as Consumer Credit Counselling Service) (“CCCS”) to enter into a debt management plan. They say it was mis-sold to her and wasn’t the appropriate soluti... (2 pages)View decision -
Decision Reference DRN2973694
13 Nov 2014 1st Credit Limited UpheldBanking and creditMrs K complains that 1st Credit Limited unfairly sent letters chasing her debt, including the threat of court proceedings, far too early and without first assessing her situation properly.background1st Credit bought Mrs K’s debt from her previous lender. It sent a notice of assignment ... (3 pages)View decision -
Decision Reference DRN-2891586
2 Jul 2021 Mortgage Express Not upheldMortgagesDRN-2891586 The complaint Mrs J’s complaint is about a mortgage she used to have with Mortgage Express (MX). The mortgage – and the property it was secured on – were in the joint names of Mrs J and her then husband, Mr A. Mrs J is unhappy that MX was been granted a charging order over the ... (3 pages)View decision -
Decision Reference DRN0665274
27 Jun 2014 Countrywide Debt Collections Limited Not upheldBanking and creditMr and Mrs J complain about a debt management programme sold and administered by Countywide Debt Collections Limited, trading as Restart Financial. backgroundThere is a dispute about how contact between Mr and Mrs J and Restart Financial was initially made. Mr J says that he was init... (2 pages)View decision
