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 69711 results
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Decision Reference DRN-2685901
16 Apr 2021 Cabot Credit Management Group Limited UpheldConsumer CreditDRN-2685901 The complaint Mr L complains that Cabot Credit Management Group Limited is unfairly refusing to write off an outstanding debt What happened In 2013, Cabot bought Mr L’s debt from a business that I will call “E”. Mr L has been making regular repayments to Cabot through a debt ma... (3 pages)View decision -
Decision Reference DRN-2203345
7 Oct 2020 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2203345 The complaint Miss M has complained that Cabot Credit Management Group Limited are chasing her for a debt she says she doesn’t owe. What happened In February 2019, Cabot bought this debt from the original owner. They sent a notice of assignment to Miss M. Miss M replied with a ... (2 pages)View decision -
Decision Reference DRN2771506
3 Sep 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMrs R and Mr S through their solicitors ML complain Legal & General Partnership Services Limited (“L & G”) gave them poor advice about debt consolidation. They want compensation.backgroundMrs R and Mr S said they were advised by L & G to borrow more mone... (2 pages)View decision -
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 DRN7637914
6 Aug 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMs G is unhappy with the way Cabot Credit Management Group Limited (trading as Cabot Financial (Europe) Limited) has dealt with her in relation to old debts.backgroundMs G had three credit accounts with two different businesses and, after falling into financial difficulty, Cabot purchased ... (2 pages)View decision -
Decision Reference DRN7863608
10 Feb 2016 House & Home Care Limited UpheldBanking and creditMr A and Mrs B complain that the debt repayment plan they took with House & Home Care Limited (trading as Immediate Financial) has extended for far longer than they had expected and has left them unable to afford it. background Mr A and Mrs B took a debt managem... (5 pages)View decision -
Decision Reference DRN2439808
1 Jun 2017 TSB Bank plc UpheldBanking and creditMr and Mrs R complain TSB Bank plc (“TSB”) is incorrectly pursuing them for a debt that isn’t due.background During 2016 Mr and Mrs R received a letter from a debt collection firm seeking repayment of a debt of £155.07. After looking into the matter Mr and Mrs R establ... (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 DRN-2274941
18 Dec 2020 Lowell Financial Ltd Not upheldBanking and PaymentsDRN-2274941 The complaint Miss R says Lowell Financial Limited is treating her unfairly because it will not remove two separate defaults from her credit file on two different debts that it holds. What happened Miss R says that her extreme personal circumstances and failings of the firms wi... (3 pages)View decision -
Decision Reference DRN6093334
9 Sep 2015 PRA Group (UK) Limited Not upheldBanking and creditMr S complains that PRA Group (UK) Limited is chasing him for payment after it said his debt was paid off. He is represented by a relative, but for simplicity’s sake I shall refer to all representations made on behalf of Mr S as if he made them. backgroundIn 2014 Mr... (2 pages)View decision
