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 DRN-2100011
25 Sep 2020 U K Insurance Limited Not upheldInsuranceDRN-2100011The complaintMiss M complains that U K Insurance Limited (“UKI”) registered a default on her credit file. What happenedMiss M had a car insurance policy with UKI. She had a credit agreement with it that required her to make monthly payments for the policy. In September 2019 she ... (3 pages)View decision -
Decision Reference DRN-2115239
4 Sep 2020 Bank of Scotland Plc UpheldMortgagesDRN-2115239The complaintMr S complains that Bank of Scotland plc (trading as Halifax) has been pursuing him for an incorrect amount through a debt recovery company, following the sale of his property that left him with a shortfall. What happenedMr S owned a property mortgaged through Halif... (3 pages)View decision -
Decision Reference DRN7358131
4 Sep 2015 Link Financial Outsourcing Limited Not upheldBanking and creditMr S complains that Link Financial Outsourcing Limited pursued him for a debt it wrongly said he owed, wrongly recorded a default on his credit reference file and did not deal with him properly. He says Link should compensate him for extra mortgage costs, inconv... (2 pages)View decision -
Decision Reference DRN7958800
30 Sep 2016 Butler-Do Ltd Not upheldBanking and creditMs R and her representative are unhappy about the advice she was given by Butler-Do Ltd to enter into a debt management plan. They say it was mis-sold to her and wasn’t the appropriate solution for her situation. She wasn’t told of other free similar services. She... (2 pages)View decision -
Decision Reference DRN5589444
29 Sep 2016 Debt Advisory Line Limited UpheldBanking and creditMr W, represented by a claims management company (CMC), says that the debt management plan (DMP) set up for him by Debt Advisory Line Limited (DAL) was mis-sold. backgroundMr W says that he was mis-sold the DMP and an IVA should have been proposed.The CMC says that Mr... (2 pages)View decision -
Decision Reference DRN7610844
6 Oct 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs F are unhappy that The Royal Bank of Scotland plc (RBS) used proceeds from the sale of their home to repay other unsecured debts with RBS. To resolve this complaint Mr and Mrs F want RBS to pay the balance of the sale proceeds to them.backgroundIt’s Mr a... (2 pages)View decision -
Decision Reference DRN4242606
26 Jun 2014 Barclays Bank Plc UpheldPayment protection insurance (PPI)Mr A’s complaint is that Barclay’s Bank Plc (Barclays) has used part of the redress from a mis-sold PPI policy to reduce the arrears on the loan associated with the PPI policy. Mr A says the total compensation for the mis-sold policy should be paid directly to him.backgroundIn October 2... (3 pages)View decision -
Decision Reference DRN4906759
16 Apr 2021 Cabot Credit Management Group Limited Not upheldBanking and creditMr R has complained about the way in which Cabot Credit Management Group Limited (‘Cabot’) has sought to recover payment from him in relation to a debt it purchased. background Cabot bought a credit card debt that belonged to Mr R in October 2017. The outstanding debt was around £3,000. Mr... (6 pages)View decision -
Decision Reference DRN-2798335
15 Dec 2021 Bamboo Limited UpheldConsumer CreditDRN-2798335 The complaint Mr R says Bamboo Limited lent to him irresponsibly. What happened Mr R took out a guarantor loan over 36 months from Bamboo on 7 June 2018. It was for £6,000 and the monthly repayments were £292.17. The total repayable was £10,518.22. I understand the loan remains... (5 pages)View decision -
Decision Reference DRN-5375414
6 Mar 2025 Elderbridge Limited UpheldMortgagesDRN-5375414 The complaint Mrs C has complained about how Elderbridge Limited has dealt with her secured loan account. She says Elderbridge’s recent actions were contrary to how her account should have been handled due to her bankruptcy in 2013. Mrs C is also unhappy with how Elderbridge... (5 pages)View decision
