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 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 DRN-2349591
4 Mar 2021 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-2349591 The complaint Miss B complains that Lantern Debt Recovery Services Ltd is unfairly chasing her for a debt. What happened Lantern bought an outstanding debt from company W in 2019. And it seeks repayment of the debt from Miss B. Miss B says that it’s unfair of Lantern to contact... (2 pages)View decision -
Decision Reference DRN5773225
26 Nov 2014 R. Raphael & Sons Plc Not upheldBanking and creditMr M complains that he was mis-sold a Payment Break Plan (PBP) and had problems communicating with R. Raphael & Sons Plc (trading as Monument). He wants compensation. background Mr M got a credit card with Monument in 2001. A PBP was added to his account at the same time. He got i... (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 DRN7968998
27 Jun 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMr W 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 W had a credit card and, after fall... (2 pages)View decision -
Decision Reference DRN-3089279
6 Oct 2021 Mortgage Express Not upheldMortgagesDRN-3089279 The complaint Mr Y and Mrs Y raised various issues about Mortgage Express’ handling of their mortgages with it over time. However, they asked us to look into the matter of whether Mortgage Express had the right to consolidate the amount owed under their current mortgages with a... (4 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 -
Decision Reference DRN4222190
26 Jan 2015 Cabot Financial (Europe) Limited Not upheldBanking and creditMr R complains about Cabot Financial (Europe) Limited pursuing him for a credit card debt which he does not recognise. He says that the account was opened fraudulently.background I set out the background of the complaint and my initial conclusions in my provisional decision dated 28 Oc... (5 pages)View decision -
Decision Reference DRN0919511
6 Mar 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMr D complains that Lowell Portfolio I Limited (“LPL”) is unfairly pursuing him for a debt.background Mr D had had a current account since 1999 and a loan of £15,000 since 2007 with a bank (“Q”). The current account became overdrawn and Mr D stopped payments on the loan in early 2008.... (2 pages)View decision
