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 71745 results
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Decision Reference DRN-4771780
9 Jun 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4771780 The complaint Miss G complains that Zopa Bank Limited (“Zopa”) defaulted her account and sold the debt to a third party. What happened Miss G applied for a loan with Zopa on 14 February 2020. The loan was for the sum of £20,000 with monthly repayments of £375.88 due on the 14 t... (2 pages)View decision -
Decision Reference DRN-1438344
21 Aug 2020 Personal Touch Financial Services Ltd Not upheldMortgagesDRN-1438344The complaintMr and Mrs B complain about poor advice and service given to them by an appointed representative of Personal Touch Financial Services Ltd, part of the PRIMIS Mortgage Network. Mr and Mrs B ask for compensation. What happenedMr and Mrs B contacted Personal Touch in N... (3 pages)View decision -
Decision Reference DRN6297570
22 Jul 2016 Valour Financial Management Limited Not upheldBanking and creditMiss T complains that she is unhappy about a debt management plan (“DMP”) she entered into with Valour Financial Management Limited, (“VFML”).The complaint is brought to this service on Miss T’s behalf by a claims management company. But for ease, I shall refer below to... (3 pages)View decision -
Decision Reference DRN8059911
16 Oct 2014 Sterling Financial Security Ltd UpheldBanking and creditMrs M has complained about the debt reduction plan she entered into with Sterling Financial Security Ltd, as her debt has not significantly reduced. She also believes that Sterling has made late payments to her creditors and has applied unjustified charges against her account. She wou... (2 pages)View decision -
Decision Reference DRN5837276
16 Jan 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr T complains that The Royal Bank of Scotland plc (“RBS”) unfairly linked his personal account overdraft with his business banking and wrongly registered a default in relation to the overdraft debt. backgroundAs well as having his personal bank account with RBS, Mr T was a partner in ... (2 pages)View decision -
Decision Reference DRN-2422833
2 Feb 2021 Arrow Global Limited UpheldConsumer CreditDRN-2422833 The complaint Mr M complains that Arrow Global Limited (Arrow) pursued him for debts that aren’t his. What happened In 2019 Mr M received a letter about an outstanding debt in relation to someone who has a very similar name. Mr M contacted Arrow to say it was chasing the wrong ... (2 pages)View decision -
Decision Reference DRN-2542163
4 May 2021 Oxford Capital Partners LLP Not upheldInvestmentsDRN-2542163 The complaint Mr E complains that Oxford Capital Partners LLP (“Oxford Capital”) provided misleading information about the Enterprise Investments Scheme (EIS) he invested in. What happened Mr E invested £100,000 in March 2015 in Oxford Capital’s Infrastructure EIS. The EIS was ... (5 pages)View decision -
Decision Reference DRN3832580
14 Oct 2014 Gregson and Brooke Ltd UpheldBanking and creditMr D complains about a debt management plan (‘DMP’) he had with Gregson and Brooke Limited. In summary, he says that Gregson and Brooke failed to distribute money on to his creditors, and took a lot of money in fees. backgroundIn summary, Mr D says that Gregson and Brooke did not expl... (2 pages)View decision -
Decision Reference DRN5721653
13 Aug 2014 National Westminster Bank Plc Not upheldBanking and creditMrs E complains that National Westminster Bank Plc (NatWest) has provided confusing and misleading information about a consolidation loan and it is not willing to help her now she is experiencing difficulties in repaying it.backgroundMrs E had a number of accounts in her personal nam... (3 pages)View decision -
Decision Reference DRN2294012
29 Sep 2017 Cabot Credit Management Group Limited Not upheldBanking and creditMr W complains that Cabot Credit Management Group Limited registered information on his credit file which he thinks it was not entitled to do.He asks that it stops putting “default notices” of his credit file, removes those that are there already and pay him reasonabl... (3 pages)View decision
