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 69426 results
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Decision Reference DRN-3335982
16 Mar 2022 Totemic Limited Not upheldConsumer CreditDRN-3335982 The complaint Mr J complains that Totemic Limited trading as PayPlan made errors when setting up a Debt Management Plan (DMP). What happened In March 2021 Mr J and his representative (Mrs J) spoke with PayPlan to discuss arrangements for setting up a DMP. Mr J had previously de... (2 pages)View decision -
Decision Reference DRN-2556158
19 Feb 2021 Advanced Payment Solutions Limited UpheldBanking and PaymentsDRN-2556158 The complaint Miss H complains that Advanced Payment Solutions Limited trading as Cashplus (Cashplus) defaulted her account and sold it to a debt collection agency. What happened Miss H had a credit card from Cashplus since 2014. She was made bankrupt in October 2016. In 2019, ... (2 pages)View decision -
Decision Reference DRN-2807569
15 Jun 2021 National Westminster Bank Plc Not upheldConsumer CreditDRN-2807569 The complaint Mr B complains that National Westminster Bank Plc is chasing him for debts which he believes are unenforceable or statute barred. He wants collection activity to be stopped. What happened Mr B complains that NatWest has been chasing him for some historic debts. He... (4 pages)View decision -
Decision Reference DRN-2833860
17 Jun 2021 Debt Managers (Services) Limited Not upheldConsumer CreditDRN-2833860 The complaint Mr D has complained that Debt Managers (Services) Limited are chasing him for a debt which he feels they haven’t proved he owes them. What happened This complaint is about a regulated personal credit agreement which was sold to Debt Managers in 2019. There was a p... (2 pages)View decision -
Decision Reference DRN4949220
21 Nov 2014 Lloyds Bank PLC Not upheldBanking and creditMr H complained because debt collectors have been pursuing him for payment of a Lloyds Bank PLC credit card debt. He has never had a Lloyds credit card and the debt is not his.backgroundMr H lives abroad, and his elderly parents live in the UK. From 2007 onwards, letters were sent to h... (2 pages)View decision -
Decision Reference DRN1405731
20 Sep 2016 Arrow Global Limited Not upheldBanking and creditMr C complains that Arrow Global Limited (“Arrow”) is chasing him for payment of a debt he doesn’t owe it. He wants Arrow to admit he doesn’t owe the debt and correct his credit file.backgroundIt appears that Mr C had two credit cards with a credit card company. ... (2 pages)View decision -
Decision Reference DRN3858828
11 Dec 2019 Cabot Credit Management Group Limited UpheldBanking and creditMr T has complained about three credit card debts of his that have purportedly been assigned to Cabot Credit Management Group Limited (‘Cabot’). He’s unhappy about the lack of information he’s received from Cabot about the debts and how much he owes. backgroundThere are three debts, under ... (2 pages)View decision -
Decision Reference DRN8186725
3 Jul 2014 Lloyds Bank PLC Not upheldBanking and creditMr U complains that Lloyds Bank PLC sold his current account debt to a debt collection agency while he was on a repayment plan. He wants to be treated fairly. backgroundMr U had debts on his credit card and current accounts with Lloyds. He thought that these had been amalgamated and a re... (2 pages)View decision -
Decision Reference DRN2154123
14 Aug 2015 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr B’s complaint is about how The Royal Bank of Scotland Plc (RBS) used the compensation it offered to settle his complaint about a payment protection insurance (PPI) policy taken out with a mortgage. Mr B wants RBS to pay all the compensation directly to him.backgrou... (2 pages)View decision -
Decision Reference DRN1972238
22 Feb 2016 MKDP LLP Not upheldBanking and creditMr S complained that two debts, for which MKDP LLP was pursuing him, were statute barred under the Limitation Act 1980. backgroundMr S had two accounts with a bank. These accounts defaulted and were sold to the debt recovery company MKDP. MKDP pursued Mr S for the ... (2 pages)View decision
