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 74365 results
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Decision Reference DRN7716522
22 Jun 2015 Drydens Limited Not upheldBanking and creditMr P complains that Drydens Limited (the business) is chasing him for an outstanding debt but has not provided him with the details proving he owes the money.backgroundMr P says that he was paying £30 per month to a debt collection company but that he had no informatio... (2 pages)View decision -
Decision Reference DRN-1384434
22 Jan 2020 PRA Group (UK) Limited Not upheldBanking and PaymentsDRN-1384434 The complaintMrs S complains about the way PRA Group (UK) Limited have pursued her for payment of a debt they say she owes them. What happenedMrs S had an account with a bank on which she owed in excess of £1,000. The bank sold the debt to PRA in 2012. Up until March 2018, Mrs ... (3 pages)View decision -
Decision Reference DRN-4916804
1 Aug 2024 Chetwood Financial Limited UpheldConsumer CreditDRN-4916804 The complaint Miss T complains that Chetwood Financial Limited trading as LiveLend was irresponsible in its lending to her. What happened Miss T was provided with a £10,000 loan by LiveLend in December 2021. She said that the lending shouldn’t have been provided as she had m... (3 pages)View decision -
Decision Reference DRN8051769
18 Feb 2020 Cabot Credit Management Group Limited Not upheldBanking and creditMr H is disputing the sum that that Cabot Credit Management Group Limited, trading as Cabot Financial (Europe) Limited, are asking him to repay. He has complained that Cabot hasn’t shown him proof of the amount owing.backgroundMr H had a loan which was opened in February 2014. The loan was... (3 pages)View decision -
Decision Reference DRN0481621
22 Nov 2013 NEO Media Solutions Limited UpheldBanking and creditMiss N complains that the money she paid to NEO Media Solutions Limited (“NEO”) was not passed on to her creditors. She feels she is entitled to a full refund.backgroundMiss N entered into a debt reduction/debt management plan with NEO in September 2010. By August 2011, she had paid a ... (3 pages)View decision -
Decision Reference DRN3771218
28 Feb 2017 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMiss F complains that she wasn’t provided with satisfactory information about her debtmanagement plan (“DMP”), which was sold to her by a third party (“T”). The DMP was thenpassed to Harrington Brooks (Accountants) Limited, trading as Harrington Brooks DebtManagement, (... (3 pages)View decision -
Decision Reference DRN-2862258
9 Jun 2021 Bamboo Limited UpheldConsumer CreditDRN-2862258 The complaint Mr Z says Bamboo Limited lent to him irresponsibly and didn’t treat him fairly when he was having financial difficulties. What happened Mr Z took out a loan over 60 months from Bamboo on 31 January 2017. It was for £3000 and the monthly repayments were £118.25. Th... (4 pages)View decision -
Decision Reference DRN7263685
4 Oct 2018 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr S has complained about how Bank of Scotland plc (BoS) has paid the compensation it offered to him for a mis-sold payment protection insurance (PPI) policy related to his credit card.backgroundMr S complained to BoS that he had been mis-sold PPI related to his cre... (3 pages)View decision -
Decision Reference DRN-2800258
27 Jun 2021 Lowell Portfolio I Ltd Not upheldBanking and PaymentsDRN-2800258 The complaint Miss M complains that Lowell Portfolio I Ltd (Lowell) is pursuing her for a debt which she believes to be unenforceable, and its contact with her amounts to harassment. What happened Miss M is represented in her complaint but for ease I will refer to her throughou... (3 pages)View decision -
Decision Reference DRN7841543
7 Jun 2013 Capital One (Europe) plc UpheldBanking and creditMr A is unhappy that Capital One (Europe) plc has applied a default to his credit report. This is because other financial providers have not registered a default. backgroundMr A fell into arrears with Capital One and other lenders. He entered into a Debt Management Plan (DMP) through a ... (2 pages)View decision
