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 74313 results
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Decision Reference DRN8210137
20 Jul 2021 Wealthmasters Financial Management Ltd UpheldInvestment and pensionsMr J complains that Wealthmasters Financial Management Ltd (WFM) gave him unsuitable advice to transfer his personal pensions into an occupational pension scheme offered by ARK Business Consulting (Ark), making use of a Pension Reciprocation Plan (PRP). Mr J says as a result he now can’t a... (12 pages)View decision -
Decision Reference DRN9877002
19 Aug 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr L and Mrs N complain that advice to consolidate unsecured debt to their mortgage was unsuitable. The advice was given by an appointed representative of Legal & General Partnership Services Limited.backgroundMr L and Mrs N took advice from L&G about their mort... (2 pages)View decision -
Decision Reference DRN-4395944
20 Oct 2023 Vodafone Limited Not upheldConsumer CreditDRN-4395944 The complaint Mr M has complained that Vodafone Limited recorded a default on his credit file in relation to a fixed sum loan agreement he’d taken out to buy a phone. What happened The circumstances of the complaint are well known to both parties. So I’m not going to cover off ... (3 pages)View decision -
Decision Reference DRN9335101
6 Aug 2013 Apex Credit Management Limited UpheldBanking and creditMs B complains about Apex Credit Management Limited pursuing her for a debt that she says was repaid in 2009.backgroundThe adjudicator recommended the complaint be upheld. She felt that Ms B was justified in disputing the debt and she did not think it was fair or reasonable for Apex t... (2 pages)View decision -
Decision Reference DRN8148946
30 Sep 2016 Butler-Do Ltd Not upheldBanking and creditMrs B, represented by a claims management company (CMC), complains that Butler-Do Ltd (the business) mismanaged her debt management plan (DMP).backgroundMrs B says that she entered into a DMP in 2010. She says that at this time she was not made aware that there were ... (2 pages)View decision -
Decision Reference DRN7129165
13 Feb 2017 Bank of Ireland (UK) Plc Not upheldBanking and creditMrs W complains that Bank of Ireland (UK) plc passed her credit card account to a debt collections agency without telling her. She was repaying a set amount each month and believes the debt should now be paid off. She thinks Bank of Ireland added interest to what she... (3 pages)View decision -
Decision Reference DRN0952700
7 Jul 2015 HSBC Bank plc UpheldBanking and creditMr S complains about the way that HSBC Bank plc has dealt with him in his capacity as guarantor for a company debt. He’s particularly unhappy that HSBC won’t re-open the company account and reinstate the overdraft. He’d like us to order the bank to do that.background... (2 pages)View decision -
Decision Reference DRN-3859724
7 Mar 2023 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-3859724 The complaint Miss N complains Lantern Debt Recovery Services Ltd are asking her to repay a debt which she’s said she was told would be repaid. What happened Miss N took out a loan with a company I’ll refer to as S. Miss N says when S went out of business, she was contacted on ... (3 pages)View decision -
Decision Reference DRN9479487
16 Dec 2014 Apex Collections Limited Not upheldBanking and creditMr F complains about debt management activities carried out by Apex Collections Limited trading as Apex Credit Management (“Apex”).backgroundApex carries out debt collection activities on behalf of lenders with regulated credit agreements. Mr F had a debt owed to a creditor which had be... (2 pages)View decision -
Decision Reference DRN8823704
16 May 2014 Shoosmiths LLP UpheldBanking and creditMiss M complains that Shoosmiths LLP refused to accept her repayment plan and has not worked with her to resolve her debt.background Miss M owes money to a building society and she suggested a monthly payment regime which would take some 200 years to pay off the debt. The society sugges... (2 pages)View decision
