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 70502 results
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Decision Reference DRN-2349591
4 Mar 2021 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-2349591 The complaint Miss B complains that Lantern Debt Recovery Services Ltd is unfairly chasing her for a debt. What happened Lantern bought an outstanding debt from company W in 2019. And it seeks repayment of the debt from Miss B. Miss B says that it’s unfair of Lantern to contact... (2 pages)View decision -
Decision Reference DRN7968998
27 Jun 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMr W is disputing the sum that that Cabot Credit Management Group Limited, trading as Cabot Financial (Europe) Limited, are asking him to repay. He has complained that Cabot hasn’t shown him proof of the amount owing.backgroundMr W had a credit card and, after fall... (2 pages)View decision -
Decision Reference DRN5773225
26 Nov 2014 R. Raphael & Sons Plc Not upheldBanking and creditMr M complains that he was mis-sold a Payment Break Plan (PBP) and had problems communicating with R. Raphael & Sons Plc (trading as Monument). He wants compensation. background Mr M got a credit card with Monument in 2001. A PBP was added to his account at the same time. He got i... (2 pages)View decision -
Decision Reference DRN-4558791
30 Jan 2024 Paratus AMC Limited Not upheldMortgagesDRN-4558791 The complaint Ms B complains that Paratus AMC Limited trading as Foundation Home Loans (“FHL”) is asking her to repay an interest only mortgage of £160,000, taken out in 2006, plus additional money for mortgage arrears. Ms B challenges the debt, and complains about what FHL has... (3 pages)View decision -
Decision Reference DRN9477943
26 Feb 2014 First Complete Ltd Not upheldBanking and creditMr M is dissatisfied with mortgage advice he received from First Complete Limited. backgroundMr M re-mortgaged his house following advice from an appointed representative of First Complete. Through a claims management company he made the following complaints to First Complete about t... (3 pages)View decision -
Decision Reference DRN5913258
26 Oct 2015 Legal & General Partnership Services Limited Not upheldBanking and creditThis complaint is about a mortgage arranged for Mr and Mrs K by an adviser connected with Legal & General Partnership Services Limited (“L&G”). Mr and Mrs K feel they weren’t given good advice. They’re particularly concerned about the suitability of the advise... (3 pages)View decision -
Decision Reference DRN7530638
1 Feb 2017 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr G is unhappy with how The Royal Bank of Scotland Plc (RBS) has used the compensation it offered to settle his complaint about the mis-sale of a payment protection insurance (PPI) policy.backgroundMr G complained about PPI sold to him with a credit card he took out wit... (2 pages)View decision -
Decision Reference DRN5570942
7 Aug 2018 Bank of Scotland Plc Not upheldBanking and creditMr E complains about how Bank of Scotland plc (trading as Halifax) has applied a refund of interest on his account.backgroundMr E got into some financial difficulties, and he asked a debt management company to help him to deal with his creditors. After he’d been m... (4 pages)View decision -
Decision Reference DRN9791955
22 Dec 2017 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mrs M has complained about the way Capital One (Europe) Plc resolved the mis-sale of a payment protection insurance (PPI) policy.backgroundMrs M had a credit card with Capital One, which had PPI. Unfortunately, she fell into some difficulties. So in 2006, she made a ... (2 pages)View decision -
Decision Reference DRN-4899764
28 Jan 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4899764 The complaint Mr O complains that Bank of Scotland plc, trading as Halifax, hasn’t defaulted his credit card account and loan account after he entered into a debt arrangement scheme. What happened Mr O says that he entered into a debt arrangement scheme in February 2020. He ... (3 pages)View decision
