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 76853 results
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Decision Reference DRN1237549
20 Sep 2017 Lending Stream Llc UpheldBanking and creditMr H complains that Lending Stream LLC, (“LSL”), is unfairly pursuing him for a debt he has already paid it. backgroundMr H had three outstanding loans with LSL between August 2013 and May 2015. When he suffered financial difficulties, he made sporadic repayments to L... (2 pages)View decision -
Decision Reference DRN-2643012
26 Mar 2021 Secure Trust Bank Plc Not upheldConsumer CreditDRN-2643012 The complaint Mr C complains about the outstanding debt on his account with Secure Trust Bank plc, trading as Moneyway, relating to a car that was supplied to him under a hire purchase agreement. Mr C’s mother is helping him with his complaint. What happened A used car was supp... (3 pages)View decision -
Decision Reference DRN4901120
26 Nov 2019 Arrow Global Limited Not upheldBanking and creditMiss H complains that Arrow Global Limited (Arrow) should’ve registered a default on her credit file in March 2012 rather than September 2013 as they’ve now decided. She would like them to backdate the default to March 2012, remove it from the credit file and mark the debt as settled. back... (3 pages)View decision -
Decision Reference DRN-1723780
7 Oct 2020 Link Financial Outsourcing Limited Not upheldBanking and PaymentsDRN-1723780 The complaint Mr G is unhappy that Link Financial Outsourcing Limited (Link Financial) won’t accept the offer he made to settle a debt related to his current account. What happened Mr G’s debt with a bank was sold to Link Financial. Mr G made an offer to settle the debt. Howeve... (2 pages)View decision -
Decision Reference DRN6635001
30 Sep 2013 WKD UK Limited UpheldBanking and creditMr B complains about a debt management plan he took out with WKD UK Limited (trading as Money Tailor). He says that the amount he owes his creditors has increased since he has been making the payments to Money Tailor. He believes the original contract was not fit for purpose and he has ... (2 pages)View decision -
Decision Reference DRN1114861
4 Dec 2015 Sterling Financial Security Ltd UpheldBanking and creditMr H complains that Sterling Financial Security Ltd (trading as Best Solution) has failed to provide a reasonable quality of debt management service to him.backgroundMr H signed up to a debt management arrangement with Best Solution, under which he paid it a lump sum ea... (2 pages)View decision -
Decision Reference DRN-2823213
18 May 2021 Ikano Bank AB (publ) UpheldConsumer CreditDRN-2823213 The complaint Mr T is complaining that Ikano Bank AB (publ) did not notify him a default would be registered. He’s also unhappy with the registration date of the default. What happened Mr T took out a loan with Ikano. He later experienced financial difficulties, so he came to a... (4 pages)View decision -
Decision Reference DRN-3407957
7 Jun 2023 Home Retail Group Card Services Limited Not upheldConsumer CreditDRN-3407957 The complaint Mrs W complains that Home Retail Group Card Services Limited (trading as Argos Financial Services) reported missed payments on her credit file. What happened Mrs W had a catalogue shopping account with Argos. In August 2015 Mrs W entered a debt management plan wit... (2 pages)View decision -
Decision Reference DRN0838683
8 Dec 2016 Debt Release Direct Limited Not upheldBanking and creditMr A and his representative are unhappy about the advice he was given by Debt Release Direct Limited to enter into a debt management plan. They say he wasn’t told of other free similar services or of the effect the plan would have on his credit file. He wants to... (2 pages)View decision -
Decision Reference DRN7241515
3 Sep 2015 Bank of Scotland Plc Not upheldBanking and creditMs S complains that Bank of Scotland plc (trading as Halifax) wrongly pursued her for a debt and sold her debt to a third party while she was disputing the amount outstanding.backgroundMs S had a credit card account with Halifax. She fell behind with repayments and ... (2 pages)View decision