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 74365 results
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Decision Reference DRN1938912
15 Nov 2016 Moneyplus Group Limited Not upheldBanking and creditMr M complains that a debt management plan was mis-sold to him by Moneyplus Group Limited. He is being helped with his complaint by a representative.backgroundMr M entered into a debt management plan with Moneyplus in April 2015. A complaint was made to Moneyplus in ... (2 pages)View decision -
Decision Reference DRN8905720
14 Sep 2015 Baines & Ernst Limited Not upheldBanking and creditMr and Mrs B complain Baines & Ernst Limited didn’t discuss all of the debt management options that were available to them as Scottish residents.backgroundIn 2009 Mr and Mrs B asked Baines &Ernst for advice about debt management. They subsequently entered i... (1 page)View decision -
Decision Reference DRN9248292
29 Jul 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs B, represented by a claims management company, complain that the advice they were given by Legal & General Partnership Services Limited (L&G) to consolidate unsecured debts into their new mortgage was unsuitable.our initial conclusionsOur adjudicator recommended t... (2 pages)View decision -
Decision Reference DRN8111099
7 Mar 2016 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mrs N has complained about the way Royal Bank of Scotland Plc (RBS) has used the compensation it agreed to pay her after she complained about the mis-sale of payment protection insurance (PPI).backgroundMrs N took out a loan with RBS. With this she took out PPI to pro... (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-3772194
16 Nov 2022 Arrow Global Limited UpheldBanking and PaymentsDRN-3772194 The complaint Mr E has complained about a default registered by Arrow Global Limited. What happened This complaint surrounds a credit card account that was opened in 2012 and was sold to Arrow in 2019. The original creditor and Arrow wrote to Mr E to let him know Arrow now owne... (4 pages)View decision -
Decision Reference DRN2516348
5 Mar 2015 Black Horse Limited Not upheldBanking and creditUnder the rules of the Financial Ombudsman Service, I am required to ask Ms K either to accept or reject my decision before 7 April 2015. Gerard McManus ombudsman at the Financial Ombudsman ServicecomplaintMs K complains that she reached an agreement with Black Horse Limited whi... (2 pages)View decision -
Decision Reference DRN-2067372
6 Aug 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2067372The complaintMs G complains about how NewDay Ltd trading as Aqua responded to her request for helpwith her credit card account during extremely difficult personal circumstances.What happenedMs G told us about tragic circumstances she experienced, which I won’t record here. Those... (3 pages)View decision -
Decision Reference DRN-5184439
6 Dec 2024 Town & Country Legal Services LLP Not upheldConsumer CreditDRN-5184439 The complaint Mr B complains Town & Country Legal Services LLP (T&C) didn’t independently verify they were collecting a debt he owed – when actually the debt was fraudulently taken out in his name. What happened A loan was taken out using some of Mr B’s details for ... (3 pages)View decision -
Decision Reference DRN3706031
11 Jul 2013 Barclays Bank Plc Not upheldBanking and creditMr M complains about the actions of a debt collector, Mercers, that was appointed by, and was working on behalf of, Barclays Bank Plc. He says they violated his privacy by claiming to have an agreement with him and he also believes the Data Protection Act was breached. backgroundT... (1 page)View decision
