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 70502 results
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Decision Reference DRN-3135417
2 Nov 2021 PRA Group (UK) Limited Not upheldConsumer CreditDRN-3135417 The complaint Mr J is unhappy with PRA Group (UK) Limited’s handling of a credit card debt. Mr J says PRA have no authority to report the default as the court concluded the debt was unenforceable and PRA have failed to show they legally own the debt. What happened I issued my p... (5 pages)View decision -
Decision Reference DRN9246291
22 Dec 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr C complains that a debt management plan was mis-sold to him by Harrington Brooks (Accountants) Limited. He is being helped with his complaint by a representative.backgroundMr C entered into a debt management plan in April 2010 with another debt management company. Th... (2 pages)View decision -
Decision Reference DRN1830256
21 Sep 2017 Nationwide Building Society Not upheldBanking and creditMr H complains that he is unable repay his debt to Nationwide Building Society but Nationwide is refusing to do anything to help. He wants Nationwide to write off his debt.backgroundMr H suffers with mental health problems and said he’s unable to manage his money. He ... (2 pages)View decision -
Decision Reference DRN7448413
9 Nov 2018 Bank of Scotland Plc Not upheldBanking and creditMr N’s unhappy about the way Bank of Scotland plc (trading as Halifax) has dealt with him when he was experiencing financial difficulty.background In 2010 Mr N contacted Bank of Scotland when he was in financial difficulty. He says it transferred him to a debt managemen... (3 pages)View decision -
Decision Reference DRN3959224
11 Dec 2018 Lowell Financial Ltd Not upheldBanking and creditMr A complains that Lowell Financial Ltd refused to remove two defaulted accounts from his credit file and took too long to respond to his complaint.backgroundMr A says he noticed two defaults on his credit file which had been recorded by Lowell. He says he contact... (2 pages)View decision -
Decision Reference DRN1688807
14 Nov 2014 Quinn & Co Debt Management Limited UpheldBanking and creditMr E complains that Quinn & Co Debt Management Limited, trading as Red Dm, (“Quinn”) misrepresented a debt management plan (“DMP”) to him.background Mr E entered into a DMP with Quinn in January 2014. He sent it information on his debts using a courier service paid for by Quinn. This ... (2 pages)View decision -
Decision Reference DRN7151326
1 May 2019 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr M is unhappy with how Capital One (Europe) plc (Capital One) has used the compensation it offered to refund any excess commission he paid related to a payment protection insurance (PPI) policy.backgroundMr M had a credit card with Capital One and alongside this he... (3 pages)View decision -
Decision Reference DRN-4461764
13 Dec 2023 Freedom Finance Limited UpheldMortgagesDRN-4461764 The complaint Mr K complains that Freedom Finance Limited mis-sold him a second charge mortgage (secured loan). What happened In September 2019 Mr K contacted Freedom Finance to discuss taking out a secured loan. He wanted to explore consolidating existing unsecured debt to red... (7 pages)View decision -
Decision Reference DRN7184821
22 Mar 2016 Legal & General Partnership Services Limited UpheldBanking and creditMrs A complains that she was mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (L&G).backgroundL&G made a recommendation to Mrs A for a remortgage. She also consolidated credit card debts and a loan into the n... (2 pages)View decision -
Decision Reference DRN8544987
25 Jun 2014 Debt Connect (U.K.) Limited UpheldBanking and creditMr W complains that he has not received moneys from Debt Connect (U.K.) Limited, which he considers are due to him after he closed his debt management account.our initial conclusionsOur adjudicator recommended that Mr W’s complaint should be upheld because Debt Connect had not adminis... (2 pages)View decision
