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 DRN9665984
23 Oct 2018 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr F’s complaint is that Capital One (Europe) plc has used compensation due to him to reduce the debt it says Mr F owes on a credit card.backgroundIn 2006 Mr F got into financial difficulties and entered an Individual Voluntary Arrangement (IVA). The IVA was comple... (2 pages)View decision -
Decision Reference DRN9070349
25 Jan 2018 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)Mr D is unhappy with how National Westminster Bank Plc (NatWest) has resolved his complaint about a payment protection insurance (‘PPI’) policy attached to his credit card.backgroundMr D took out a credit card with NatWest in 2003. Mr D also had a PPI policy on t... (2 pages)View decision -
Decision Reference DRN4030464
4 Oct 2018 The Co-operative Bank Plc UpheldBanking and creditMs A complains about a default that The Co-operative Bank Plc (“Co-op”) has registered on her credit file. background Ms A said that her ex-husband had run up debt on their joint Co-op credit card, and he had agreed to pay it off. She considered it his debt, and she... (3 pages)View decision -
Decision Reference DRN5600286
18 Dec 2013 NEO Media Solutions Limited UpheldBanking and creditMs B complains that NEO Media Solutions Limited (trading as One Debt Solution) did not distribute payments to her creditors.backgroundOur adjudicator recommended that the complaint be upheld. In summary he said: he was not convinced the ‘debt reduction’ plan NEO set up for Ms B met t... (2 pages)View decision -
Decision Reference DRN8912754
31 Oct 2017 DFH Limited Not upheldBanking and creditMr F complains about a debt management plan he had with DFH Limited. He says DFH didn’t tell him he could get debt management services for free elsewhere. He’d like a refund of the fees he has paid DFH.backgroundMr F started his debt management plan with DFH in ... (2 pages)View decision -
Decision Reference DRN-3296396
22 Apr 2022 First Central Insurance Management Limited Not upheldInsuranceDRN-3296396 The complaint Mr Y is unhappy with how First Central Insurance Management Limited (First Central) handled things when he wanted to cancel his motor insurance policy. What happened Mr Y took out motor insurance through First Central. He then sold his car and says he called First... (3 pages)View decision -
Decision Reference DRN-3699362
13 Sep 2022 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-3699362 The complaint Mr B complains that Shop Direct Finance Company Limited trading as very (very) defaulted his account. What happened Mr B had an account with very. The limit was £1,325. His income was affected by the pandemic and he was placed on furlough. His account fell into ... (4 pages)View decision -
Decision Reference DRN-3238596
11 May 2022 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-3238596 The complaint Mr W complains that The Royal Bank of Scotland Plc (RBS) continued to report a debt on his credit file despite it being included within an Individual Voluntary Arrangement (IVA) that was settled in July 2020. What happened Mr W entered into an IVA in 2018. This wa... (3 pages)View decision -
Decision Reference DRN8051769
18 Feb 2020 Cabot Credit Management Group Limited Not upheldBanking and creditMr H 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 H had a loan which was opened in February 2014. The loan was... (3 pages)View decision -
Decision Reference DRN7739325
21 Jun 2018 Cabot Credit Management Group Limited Not upheldBanking and creditMrs B complains about the way Cabot Credit Management Group Limited has managed her debt. backgroundMrs B took out an unsecured personal loan with a third party in 2008. The amount outstanding is around £23,000. Cabot bought the debt from in 2012, but at this time ano... (3 pages)View decision
