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 69825 results
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Decision Reference DRN9337235
20 Dec 2013 NEO Media Solutions Limited UpheldBanking and creditMiss Y complains that NEO Media Solutions Limited (trading as One Debt Solution): misled her as to how quickly her debts would be cleared; did not clearly explain what it would charge for its services, or when these charges would be taken; and did not pass payments she made to i... (2 pages)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 DRN-3822310
20 Feb 2023 The Royal Bank of Scotland Plc Not upheldInsuranceDRN-3822310 The complaint Mr H has complained about The Royal Bank of Scotland Plc (RBS) using redress from a mis-sold payment protection insurance (PPI) policy to repay a debt, on the basis that the debt was written off in a sequestration. What happened Mr H, in his capacity as a sole tra... (3 pages)View decision -
Decision Reference DRN8845735
21 Mar 2018 NRAM Limited Not upheldBanking and creditMr and Mrs S complain about the time taken by NRAM Limited to decide whether to write off the balance of their mortgage loan and its poor service. They’d like the debt written off.background Mr and Mrs S’s mortgage with NRAM has been in arrears for some time due t... (3 pages)View decision -
Decision Reference DRN-3822418
17 Jan 2023 Debt Managers (Services) Limited Not upheldConsumer CreditDRN-3822418 The complaint Mr O has complained that Debt Managers (Services) Limited didn’t accept his partial settlement offer when it was in line with an amount they’d asked for in the past. What happened This complaint surrounds a defaulted hire purchase debt which was sold to Debt Manag... (2 pages)View decision -
Decision Reference DRN9877002
19 Aug 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr L and Mrs N complain that advice to consolidate unsecured debt to their mortgage was unsuitable. The advice was given by an appointed representative of Legal & General Partnership Services Limited.backgroundMr L and Mrs N took advice from L&G about their mort... (2 pages)View decision -
Decision Reference DRN4524973
26 Nov 2015 Bank of Scotland Plc Not upheldBanking and creditMrs P complains that Bank of Scotland plc (trading as Halifax) is wrongly holding her liable for a credit card debt.backgroundHalifax pursued Mrs P – directly, and also through collection agents – in relation to a credit card debt. Mrs P says that, in spite of several... (3 pages)View decision -
Decision Reference DRN2257765
2 Apr 2014 Lloyds Bank PLC UpheldBanking and creditMr R complains about the level of service he has received from Bank of Scotland Plc (trading as Lloyds Bank Plc). He says that Lloyds mis-sold him a loan to consolidate his credit card debts. He is now in financial difficulties and he says that the bank has provided poor service in ass... (2 pages)View decision -
Decision Reference DRN2540641
2 Nov 2016 Cabot Financial (Europe) Limited UpheldBanking and creditMr T complains that Cabot Financial (Europe) Limited (trading as Cabot Financial) will not tell him why it took so long to write off his credit card debt, or how the balance on the account came to increase by so much.background Mr T originally owed a debt to a credi... (2 pages)View decision -
Decision Reference DRN0626611
26 Feb 2016 T.B.I. Financial Services Ltd. Not upheldBanking and creditMr W has a number of complaints against T.B.I. Financial Services Ltd. He complains about its solicitors, that it failed to investigate his complaint, hasn’t accounted for all the money he has paid, is making him pay more than he can afford and has not sent him a sig... (3 pages)View decision
