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 70502 results
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Decision Reference DRN7083903
16 Jan 2019 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mrs Y complains about how The Royal Bank of Scotland Plc (‘RBS’) used the compensation to settle her complaint about mis-sold payment protection insurance (PPI) to off-set against debt on her account.backgroundMrs Y took out a loan (ended 7120) in August 1992. The loan ... (2 pages)View decision -
Decision Reference DRN7637914
6 Aug 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMs G is unhappy with the way Cabot Credit Management Group Limited (trading as Cabot Financial (Europe) Limited) has dealt with her in relation to old debts.backgroundMs G had three credit accounts with two different businesses and, after falling into financial difficulty, Cabot purchased ... (2 pages)View decision -
Decision Reference DRN-2869099
1 Jul 2021 Pastdue Credit Solutions Limited Not upheldConsumer CreditDRN-2869099 The complaint Mr D complains thatt Pastdue Credit Solutions Limited (PCSL) contacted him about a debt that is part of a trust deed. Mr D also complains that PCSL placed the account on hold despite receiving information that showed it was part of his trust deed. What happened In... (2 pages)View decision -
Decision Reference DRN2439808
1 Jun 2017 TSB Bank plc UpheldBanking and creditMr and Mrs R complain TSB Bank plc (“TSB”) is incorrectly pursuing them for a debt that isn’t due.background During 2016 Mr and Mrs R received a letter from a debt collection firm seeking repayment of a debt of £155.07. After looking into the matter Mr and Mrs R establ... (3 pages)View decision -
Decision Reference DRN4583070
22 Jun 2017 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr C is unhappy with how The Royal Bank of Scotland Plc (RBS) has used the compensation related to a complain he made that he was mis-sold a payment protection insurance policy (PPI) with a credit card.backgroundMr C took out a regular premium PPI policy on a credit c... (2 pages)View decision -
Decision Reference DRN6093334
9 Sep 2015 PRA Group (UK) Limited Not upheldBanking and creditMr S complains that PRA Group (UK) Limited is chasing him for payment after it said his debt was paid off. He is represented by a relative, but for simplicity’s sake I shall refer to all representations made on behalf of Mr S as if he made them. backgroundIn 2014 Mr... (2 pages)View decision -
Decision Reference DRN6766499
21 Jan 2021 Basik Money Ltd UpheldBanking and creditThis complaint is about a second charge loan Mr and Mrs T took out on the advice of Basik Money Ltd. The money lent was used to consolidate a large number of existing debts, some of which were included in a debt management plan (DMP). Mr and Mrs T, who have third-party representation, comp... (2 pages)View decision -
Decision Reference DRN3091786
7 Jun 2013 The Royal Bank of Scotland Plc Not upheldBanking and creditMr T complains that, even after court proceedings declared that The Royal Bank of Scotland Plc could not pursue Mr T for a business loan debt, the bank continued to send both him and his solicitor correspondence about the loan. He says it also registered adverse information about the l... (1 page)View decision -
Decision Reference DRN6600270
14 Dec 2015 Harrington Brooks (Accountants) Limited UpheldBanking and creditMs M complains that Harrington Brooks (Accountants) Limited (Harrington Brooks) mismanaged her debt management plan (DMP). She said it did not properly make payments to one of her creditors (creditor A). backgroundMs M said that she entered the DMP in January 2013. Paym... (2 pages)View decision -
Decision Reference DRN7863608
10 Feb 2016 House & Home Care Limited UpheldBanking and creditMr A and Mrs B complain that the debt repayment plan they took with House & Home Care Limited (trading as Immediate Financial) has extended for far longer than they had expected and has left them unable to afford it. background Mr A and Mrs B took a debt managem... (5 pages)View decision
