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 71523 results
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Decision Reference DRN7083903
16 Jan 2019 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mrs Y complains about how The Royal Bank of Scotland Plc (‘RBS’) used the compensation to settle her complaint about mis-sold payment protection insurance (PPI) to off-set against debt on her account.backgroundMrs Y took out a loan (ended 7120) in August 1992. The loan ... (2 pages)View decision -
Decision Reference DRN-1460815
28 May 2020 Foundation for Credit Counselling Not upheldConsumer CreditDRN-1460815 The complaintMs M complains that Foundation for Credit Counselling, trading as StepChange Debt Charity, failed to add some accounts to her debt payment programme (DPP), and wrongly told her that no interest would be charged on those accounts. What happenedIn January 2018 Ms M s... (3 pages)View decision -
Decision Reference DRN0136048
16 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMr and Mrs R complain about a debt reduction agreement that they took out with NEO Media Solutions Limited, trading as One Debt Solution. They complain that it did not pay money to their creditors as it had agreed to do.backgroundMr and Mrs R entered into a debt reduction agreement wi... (2 pages)View decision -
Decision Reference DRN6137423
31 Jul 2013 NEO Media Solutions Limited Not upheldBanking and creditMiss R complains that NEO Media Solutions Limited (trading as One Debt Solution) did not distribute payments to her creditors.background Our adjudicator recommended that the complaint be upheld. He concluded that the plan One Debt Solution set up for Miss R did not meet the Office of Fa... (2 pages)View decision -
Decision Reference DRN8861709
13 Nov 2018 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Miss M’s complaint it about how The Royal Bank of Scotland Plc (RBS) used compensation for a mis-sold payment protection insurance (PPI) policy to reduce a debt it says Miss M owes. backgroundMiss M took out a series of three loans with RBS and with each loan took out ... (2 pages)View decision -
Decision Reference DRN4349709
6 Aug 2014 Arrow Global Accounts Management Limited Not upheldBanking and creditMiss K complains that Arrow Global Accounts Management Limited is pursuing her for a debt that she has repaid.backgroundThe adjudicator did not recommend that the complaint should be upheld. He said that:-Two debts for significantly different amounts were sold by the same lender in ... (1 page)View decision -
Decision Reference DRN3788687
22 Nov 2017 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Miss M isn’t happy with how Capital One (Europe) Plc (‘Capital One’) resolved her complaint about a payment protection insurance (‘PPI’) policy attached to her credit card.Miss M has been represented throughout her complaint. backgroundMiss M took out a credit card wit... (3 pages)View decision -
Decision Reference DRN7468051
25 Jun 2018 Welcome Financial Services Limited Not upheldPayment protection insurance (PPI)Mr B isn’t happy with how Welcome Financial Services Limited (‘Welcome Finance’) has offered to resolve his complaint about a payment protection insurance (‘PPI’) policy attached to his loan.Mr B has been represented throughout his complaint. backgroundIn 2003 Mr B took ou... (3 pages)View decision -
Decision Reference DRN4644891
30 Oct 2015 National Westminster Bank Plc Not upheldBanking and creditMr T complains about a National Westminster Bank Plc credit card debt on his credit file, which he thinks was settled several years ago. He says he had both a credit card debt and a loan debt with NatWest, but both debts were settled at the same time. He wants Na... (2 pages)View decision -
Decision Reference DRN8699514
16 Jul 2014 The Royal Bank of Scotland Plc UpheldBanking and creditMr B complained because The Royal Bank of Scotland Plc closed his personal account on Christmas Eve 2013 without warning. Mr B has a small business and he was phoned on Christmas Eve morning by the company who financed his business, to ask why he’d cancelled his direct debit. Mr B sa... (3 pages)View decision