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 69710 results
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Decision Reference DRN9808173
9 May 2019 Scottish Friendly Assurance Society Limited Not upheldBanking and creditThis complaint’s about a consolidation re-mortgage Mr and Mrs B took out in 2006 on advice given by a representative of a business that is no longer trading. Responsibility for its activities has been taken on by Scottish Friendly Assurance Society Limited (“SF”) Mr a... (3 pages)View decision -
Decision Reference DRN0801345
27 Jun 2016 PRA Group (UK) Limited Not upheldBanking and creditMiss C complains that PRA Group (UK) Limited harassed her with persistent phone calls about her outstanding debts. She asked for the phone calls to stop and for the debts to be written off.backgroundMiss C had with four debts with third parties, which PRA then bought ... (2 pages)View decision -
Decision Reference DRN3784140
29 Oct 2018 Home Retail Group Card Services Limited Not upheldBanking and creditMs S complains about charges applied to her account with Home Retail Group Card Services Limited.backgroundMs S is unhappy because Home Retail Group refunded incorrect charges to her account to offset her outstanding balance instead of sending her a cheque.In 2017, whilst... (2 pages)View decision -
Decision Reference DRN4642014
29 Sep 2018 PRA Group (UK) Limited Not upheldBanking and creditMr B complains that PRA Group (UK) Limited (PRA) have been contacting him since he entered into a debt management plan (DMP). He says they should contact the debt management company who manages his affairs and not him and he says their unwelcome contact has caused di... (2 pages)View decision -
Decision Reference DRN9080070
7 Dec 2018 Creation Financial Services Limited Not upheldBanking and creditMr P complains that he’s been making token payments to a debt he has with Creation Financial Services Limited (“Creation Finance”) but as he’s been making them to the incorrect account since 2008, he says they’re now statute barred and the business should write off his... (2 pages)View decision -
Decision Reference DRN5617334
5 Mar 2015 Wilson Andrews Limited Not upheldBanking and creditMrs B complains that Wilson Andrews Limited (“WAL”) provided her with unsatisfactory debt management advice. backgroundMrs B sought debt management advice in 2007 from WAL, and was advised to enter into a Trust Deed. At the time of entering the Trust Deed, her total unsecured debts were... (3 pages)View decision -
Decision Reference DRN-4832771
27 Aug 2024 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4832771 The complaint Mr M complains that The Royal Bank of Scotland Plc (RBS) incorrectly recorded negative information on his credit file. He would like this removed and to be compensated for his stress and inconvenience. What happened Mr M held a current account and a credit card... (3 pages)View decision -
Decision Reference DRN7588931
26 Jul 2016 Santander UK Plc UpheldBanking and creditMr W says Santander UK Plc has continued to contact him about a debt that was included in his bankruptcy. He asks for £2,500 for the trouble and upset this has caused over seven years. background Mr W filed for bankruptcy in April 2009. One of the debts included ... (2 pages)View decision -
Decision Reference DRN2659657
11 Mar 2014 Bank of Scotland Plc Not upheldBanking and creditMr N complains about a loan given to him by Bank of Scotland plc, which he says was unaffordable. He also says Bank of Scotland passed the debt to several debt collectors whilst it was in dispute and did not respond to his complaint properly. background In July 2010 Mr N took out a £1... (3 pages)View decision -
Decision Reference DRN2918918
24 Nov 2016 Ashley Park Debt Solutions Limited Not upheldBanking and creditMiss G complains that Ashley Park Debt Solutions Limited, trading as Ashley Park Financial Solutions, (“APDSL”), didn’t provide her with appropriate information when she entered into a debt management plan (“DMP”) with it. The complaint is brought to this service on Mis... (2 pages)View decision
