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 69943 results
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Decision Reference DRN3691444
6 Mar 2014 Robinson Way Limited UpheldBanking and creditMrs D complains that Robinson Way Limited is asking her to pay a debt that she does not owe. Mrs D wants Robinson Way to apologise and pay her compensation for the distress and inconvenience she has suffered.backgroundMrs D says that she received a letter from Robinson Way in 2013 and co... (1 page)View decision -
Decision Reference DRN5105129
6 Jul 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr F complains that he was mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.backgroundMr F had a mortgage. Acting on L&G’s advice, he re-mortgaged, switching lender and consolidating some unsecured debt. This wa... (3 pages)View decision -
Decision Reference DRN7217241
20 Mar 2014 Bournes Limited UpheldBanking and creditMr H complains about a debt management plan he entered into with Bournes Limited. He says Bournes never explained how the plan would operate and payments were not distributed to his creditors as he expected them to be. He complains once he realised what had happened he pursued Bournes ... (3 pages)View decision -
Decision Reference DRN-3176404
23 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3176404 The complaint Mr and Mrs R are bringing this complaint on behalf of their late son, M, against NewDay Ltd (NewDay). They believe NewDay acted irresponsibly in giving M a credit card and subsequent credit increase. What happened Mr R said that NewDay agreed a credit for M in Apr... (4 pages)View decision -
Decision Reference DRN-4008395
8 Mar 2023 Erudio Student Loans Limited Not upheldConsumer CreditDRN-4008395 The complaint Mr S complains Erudio Student Loans Limited have asked him to repay a debt he doesn’t have with them – making him feel harassed and bullied into making payments. What happened Mr S has a number of loans taken out with a company I’ll refer to as S, but now managed ... (3 pages)View decision -
Decision Reference DRN9514261
27 Aug 2013 Creation Financial Services Limited UpheldBanking and creditMrs U complains that, although she has been repaying a debt to Creation Financial Services Limited for several years under a debt management plan, the high rate of interest charged is making it impossible for her to clear the account.backgroundIn 2007 Mrs U told Creation that she had fina... (2 pages)View decision -
Decision Reference DRN-2697109
14 Apr 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2697109 The complaint Mr H complains that Bank of Scotland plc has given him misleading information about a debt. What happened Mr H says Bank of Scotland has given him misleading information about a debt and who owns it. He says he received a cheque for £50 but without a clear explana... (2 pages)View decision -
Decision Reference DRN5125124
23 Jun 2016 Black Horse Limited Not upheldBanking and creditMr L’s unhappy Black Horse Limited (“Black Horse”) sold his debt without getting his consent. He’s also said he wasn’t given the chance to repay the debt before the sale.backgroundIn May 2010 Mr L took a loan from Black Horse. By September 2014 he’d missed some pa... (2 pages)View decision -
Decision Reference DRN6137794
9 Jan 2019 National Westminster Bank Plc Not upheldBanking and creditMr B is unhappy with National Westminster Bank Plc’s decision to close his account. He’s also unhappy they transferred his debt to a debt collection agency on the closure of the account. And Mr B feels Nat West discriminated against him due to his race.backgroundMr B... (2 pages)View decision -
Decision Reference DRN9880198
29 May 2013 NEO Media Solutions Limited UpheldBanking and creditMrs D complains that NEO Media Solutions Limited (trading as One Debt Solution) did not distribute payments to her creditors.our initial conclusionsOur adjudicator recommended that the complaint be upheld. She concluded that the plan One Debt Solution set up for Mrs D did not me... (2 pages)View decision
