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-2395568
1 Dec 2020 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-2395568 The complaint Ms S is unhappy with how Shop Direct Finance Company Limited trading as ‘very’ handled her catalogue shopping account. What happened In 2015, Ms S took out a catalogue shopping account with very. In mid-2017, Ms S was struggling financially and received some admin... (3 pages)View decision -
Decision Reference DRN5389813
29 Sep 2015 Arrow Global Management Limited Not upheldBanking and creditMr R complains that Arrow Global Management Limited acted unreasonably in starting court proceedings against him. Arrow stayed the proceedings but added the costs it had incurred to the debt Mr R owes. He wants it to write off the court costs, reduce his debt by £200... (2 pages)View decision -
Decision Reference DRN5442596
24 Mar 2015 Blue Finance Management Limited UpheldBanking and creditMiss G complains that Blue Finance Management Limited (trading as DEBTPLAN Direct) (the business) set up a debt management plan (DMP) for her that was not in her best interest and did not tell her about the upfront charges. backgroundMiss G says that the business ca... (2 pages)View decision -
Decision Reference DRN6590916
24 Apr 2013 Bank of Scotland Plc Not upheldBanking and creditMiss Y complains that Bank of Scotland will not deal with her directly to discuss a repayment plan on her loan. She is unhappy that her account is being handled by debt collection agents and believes that this breaches her data protection rights.backgroundA default notice was issued... (2 pages)View decision -
Decision Reference DRN5049228
19 Dec 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr H complains that Harrington Brooks (Accountants) Limited failed to give him relevant information about his debt management plan.backgroundMr H set up a debt management plan (DMP) with a different business in August 2013. HB took over the management of Mr H’s DMP in ... (2 pages)View decision -
Decision Reference DRN6979787
2 Oct 2015 National Westminster Bank Plc Not upheldBanking and creditMr C complains that National Westminster Bank plc changed and replaced his business accounts without taking proper account of his wishes, removing his control of the accounts and affecting his business. backgroundMr C had current and loan accounts with NatWest. He sa... (3 pages)View decision -
Decision Reference DRN2799615
23 Dec 2014 Haydon Associates Debt Management Consultants Ltd UpheldBanking and creditMrs B complains about the way which Haydon Associates Debt Management Consultants Ltd (‘Haydon’) has run her debt management plan (‘DMP’). In summary, she says it passed very little of her monthly payments on to her creditors, and took excessive fees. backgroundIn summary, Haydon says t... (2 pages)View decision -
Decision Reference DRN-5024638
3 Oct 2024 National Westminster Bank Plc Not upheldConsumer CreditDRN-5024638 The complaint Mr G complains that National Westminster Bank Plc led him to believe that his debts had been consolidated into one account, when they had not been, and that as a result he unexpectedly still owes a substantial debt. What happened Mr G had a mortgage, a personal... (3 pages)View decision -
Decision Reference DRN6631585
3 Mar 2020 Capital One (Europe) plc Not upheldBanking and creditMr C complains that Capital One (Europe) plc didn’t inform him that it had assigned a debt he owed on a credit card agreement to another business.backgroundMr C tells us he first took out a credit card agreement with Capital One in 2008. At various times over the following years he says he... (2 pages)View decision -
Decision Reference DRN9214599
14 Dec 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMs L has a number of concerns about the way that The Royal Bank of Scotland Plc (RBS) treated her, including closing her current account. Ms L wants RBS to pay her compensation. backgroundMs L opened a student account with RBS in 1998. She went on to upgrade this a... (3 pages)View decision
