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 70661 results
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Decision Reference DRN8552872
2 May 2017 Harrington Brooks (Accountants) Limited UpheldBanking and creditMrs B complains that Harrington Brooks (Accountants) Limited mis-sold her a debt management plan. She says it didn’t do enough to manage her debt.backgroundThe background to this complaint is summarised in my provisional decision dated 22 March 2017, a copy of which ... (5 pages)View decision -
Decision Reference DRN-3704982
29 Sep 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3704982 The complaint Ms G complains that AvantCredit of UK LLC lent to her when she could not afford it. What happened Ms G’s application to AvantCredit did state that she needed the £6,000 loan in 2016 for debt consolidation. Recently AvantCredit has made submissions on that and I wi... (5 pages)View decision -
Decision Reference DRN-3501507
21 Jul 2022 Totemic Limited Not upheldConsumer CreditDRN-3501507 The complaint Mr and Mrs N complain about the advice given to them by Totemic Limited, trading as PayPlan during their debt management plan (“DMP”). What happened Mr and Mrs N entered a DMP with PayPlan in 2005 and 2006 respectively. Between 2005 and 2020, Mr and Mrs N were mak... (2 pages)View decision -
Decision Reference DRN2809446
12 Mar 2015 Lloyds Bank PLC Not upheldBanking and creditMr A complains that Lloyds Bank plc wrongly held him liable for a loan taken out in his name by his former partner.backgroundMr A held a joint Lloyds current account with his partner, Ms B. Following an online loan application, Lloyds granted a loan in Mr A’s name and the proceeds of the... (2 pages)View decision -
Decision Reference DRN-2636583
11 Jun 2021 Intrum UK Limited Not upheldBanking and PaymentsDRN-2636583 The complaint Ms B complains about the actions of Intrum UK Limited (Intrum) regarding a debt it says she owes. What happened The debt Ms B complains about originated from a current account overdraft facility provided to her by a bank. The original account was closed in Septemb... (3 pages)View decision -
Decision Reference DRN7958800
30 Sep 2016 Butler-Do Ltd Not upheldBanking and creditMs R and her representative are unhappy about the advice she was given by Butler-Do Ltd to enter into a debt management plan. They say it was mis-sold to her and wasn’t the appropriate solution for her situation. She wasn’t told of other free similar services. She... (2 pages)View decision -
Decision Reference DRN-3061393
21 Sep 2021 Secure Trust Bank Plc UpheldConsumer CreditDRN-3061393 The complaint Miss L has complained that Secure Trust Bank Plc lent to her irresponsibly. What happened In 2015, Miss L took out an unsecured loan with Secure Trust for a total of approximately £8,200 over 36 months. In 2016, she rolled it into a new Secure Trust unsecured loan... (4 pages)View decision -
Decision Reference DRN-2484565
11 Jan 2021 Arrow Global Limited Not upheldConsumer CreditDRN-2484565 The complaint Mr T complains that Arrow Global Limited has been chasing him for a debt which he disputes is his. He wants it to stop collection activities directed at him. What happened Mr T tells us that Arrow has been harassing him in the way it’s trying to collect a debt whi... (3 pages)View decision -
Decision Reference DRN-3073023
28 Sep 2021 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3073023 The complaint Mr C complains that (Lloyds) defaulted his overdraft and sold the debt to a debt collection agency. What happened Mr C transferred his account from Lloyds to another bank in February 2020. The balance was then £2,002.80 debit. He repaid £1,000 on 27 February 2020,... (4 pages)View decision -
Decision Reference DRN2216159
7 Nov 2014 National Westminster Bank Plc UpheldPayment protection insurance (PPI)Mr A’s complaint is about the compensation from a mis-sold payment protection insurance (PPI) policy. National Westminster Bank Plc (NatWest) wants to use the compensation to offset against arrears. Mr A wants NatWest to pay the compensation directly to him.backgroundAn adjudicator from t... (2 pages)View decision
