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 DRN4558748
13 Jul 2017 Link Financial Outsourcing Limited Not upheldBanking and creditMs R is unhappy about Link Financial Outsourcing Limited asking for payment of a debt it bought from another business.backgroundLink bought a debt Ms R owed another financial business. Ms R wants to see the agreement between the two businesses and find out how much Li... (1 page)View decision -
Decision Reference DRN6431038
27 Mar 2015 Lloyds Bank PLC Not upheldBanking and creditMr E complains that Lloyds Bank PLC (“the bank”) allowed him to become a victim of identity fraud, and that he should be fully compensated for this.background In 2012 Mr E was chased for debts, which brought him to realise that somebody had stolen his identity and take... (2 pages)View decision -
Decision Reference DRN2600662
2 Aug 2019 Paragon Finance Plc Not upheldBanking and creditMrs L complains that Paragon Finance Plc, trading as Idem Servicing (“Idem”), shouldn’t be chasing her for a debt because she thinks it’s unenforceable in court. She’s also unhappy they’ve placed a default on her credit file.backgroundMrs L’s credit card debt was bought by Idem in 2012. Sh... (2 pages)View decision -
Decision Reference DRN6015798
8 Nov 2013 Lowell Portfolio I Ltd Not upheldBanking and creditMr R complains that Lowell Portfolio I Ltd failed to update his credit file promptly when he settled a debt, resulting in a mortgage application being declined.background Mr R had a debt with a third party bank. This debt was sold to Lowell in August 2011, however Lowell did not take c... (2 pages)View decision -
Decision Reference DRN2668324
29 Dec 2016 123 Debt Solutions Ltd Not upheldBanking and creditMiss T and her representative are unhappy about the advice she was given by 123 Debt Solutions Ltd to enter into a debt management plan. They say it was mis-sold to her and wasn’t the best option for her. She wasn’t told of the fees or that other similar free ser... (2 pages)View decision -
Decision Reference DRN4532081
2 Jan 2014 NEO Media Solutions Limited Not upheldBanking and creditMs B complains about a debt reduction agreement that she took out with NEO Media Solutions Limited, trading as One Debt Solution. She complains that it did not pay money to her creditors as it had agreed to do.backgroundMs B entered into a debt reduction agreement with One Debt Solutio... (2 pages)View decision -
Decision Reference DRN2863676
2 Aug 2016 Cheque Centres Limited Not upheldBanking and creditMr C complains that Cheque Centres Limited gave him unaffordable payday loans. He wants a refund of his interest and charges made and entries on his credit file to be removed.backgroundMr C said Cheque Centres Limited gave him payday loans in 2011 when he was in fin... (2 pages)View decision -
Decision Reference DRN-3875174
29 Dec 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3875174 The complaint Mr M complains that NewDay Ltd trading as Fluid irresponsibly approved his credit card account and later increased the credit limit to unaffordable levels. What happened Mr M says he applied for the Fluid account in January 2020. He says at the time he was in abou... (2 pages)View decision -
Decision Reference DRN-4068181
29 Jul 2023 Arrow Global Limited UpheldConsumer CreditDRN-4068181 The complaint Mr G complains about how Arrow Global Limited has dealt with his account. What happened Mr G makes a number of complaints about the management of his account which are well known to the parties. In summary he says Arrow has mismanaged his account and has caused hi... (2 pages)View decision -
Decision Reference DRN2081218
29 Aug 2018 Moneyplus Group Limited Not upheldBanking and creditMr F has complained that MoneyPlus Group Limited took over a debt management plan he had with a previous company and took payments without his permission.background Mr F had a debt management plan with Company E. Company E went into administration on 14 July 2017 ... (3 pages)View decision
