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 DRN-2422833
2 Feb 2021 Arrow Global Limited UpheldConsumer CreditDRN-2422833 The complaint Mr M complains that Arrow Global Limited (Arrow) pursued him for debts that aren’t his. What happened In 2019 Mr M received a letter about an outstanding debt in relation to someone who has a very similar name. Mr M contacted Arrow to say it was chasing the wrong ... (2 pages)View decision -
Decision Reference DRN2284841
11 May 2016 Legal & General Partnership Services Limited Not upheldBanking and creditThis complaint is about a mortgage arranged for Mr and Mrs C by an adviser connected with Legal & General Partnership Services Limited (“L&G”). Mr and Mrs C say they weren’t properly advised about debt consolidation and feel they’ve been financially disadvantaged ... (2 pages)View decision -
Decision Reference DRN-1077729
4 Mar 2020 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-1077729 The complaintMr S is unhappy that The Royal Bank of Scotland Plc (RBS) sold his debt to a collections company even though it told him it wouldn’t. What happenedMr S had two accounts with RBS which were in debt and it was monitoring the repayments he agreed to make. Mr S complai... (2 pages)View decision -
Decision Reference DRN-4819247
24 Oct 2024 Tandem Home Loans Ltd Not upheldMortgagesDRN-4819247 The complaint Miss B complains about a secured loan provided to her by Tandem Home Loans Ltd trading as Oplo. She says it was irresponsible of Oplo to provide this loan to her as she was vulnerable, and it wasn’t affordable. What happened Miss B applied for a secured loan wi... (3 pages)View decision -
Decision Reference DRN-3139788
16 Mar 2022 Hoist Finance UK Limited Not upheldConsumer CreditDRN-3139788 The complaint Mr S is unhappy with how Hoist Finance UK Limited have handled a refund which was used to offset his debt. What happened Mr S says he had an outstanding debt on his credit card with a bank who I’ll refer to as B. The amount was £411.01 and this debt was purchased ... (2 pages)View decision -
Decision Reference DRN1170710
16 Aug 2017 AKINIKA DEBT RECOVERY LIMITED Not upheldBanking and creditMr B complains that he is being pursued by Akinika Debt Recovery Limited in respect of a debt which isn’t his.backgroundMr B is unhappy about correspondence which he has received from Akinika. He says that the debt isn’t his and he wants Akinika to stop contacting ... (2 pages)View decision -
Decision Reference DRN2618371
18 Sep 2018 Paragon Finance Plc Not upheldBanking and creditMr and Mrs H complain that Paragon Finance PLC, trading as Idem Servicing (“Idem”) shouldn’t be chasing them for a debt owed to Lloyds as they didn’t have a debt to Lloyds.backgroundMr and Mrs H say that a debt that Idem are chasing them for isn’t theirs. They say... (3 pages)View decision -
Decision Reference DRN6297570
22 Jul 2016 Valour Financial Management Limited Not upheldBanking and creditMiss T complains that she is unhappy about a debt management plan (“DMP”) she entered into with Valour Financial Management Limited, (“VFML”).The complaint is brought to this service on Miss T’s behalf by a claims management company. But for ease, I shall refer below to... (3 pages)View decision -
Decision Reference DRN6514249
13 Feb 2014 Lloyds Bank PLC Not upheldBanking and creditMs D complains that Lloyds Bank PLC is wrongly holding her liable for a debt incurred by her ex-partner. She says she has never been his business partner and did not know she had signed an agreement to be jointly and severally liable for any debts he raised. She would like to be released... (2 pages)View decision -
Decision Reference DRN4703572
18 Sep 2018 Pentagon (UK) Limited Not upheldBanking and creditMrs D complains that Pentagon (UK) Limited trading as Euro Debt Financial Services mis- sold her a Debt Management Plan (DMP). Mrs D says she thought she had entered an Individual Voluntary arrangement (IVA).backgroundIn 2010 Mrs D took advice from a debt management ... (2 pages)View decision
