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 74313 results
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Decision Reference DRN-3783744
12 Dec 2022 Barclays Bank UK PLC Not upheldConsumer CreditDRN-3783744 The complaint Ms G is complaining that Barclays Bank UK PLC is asking her to repay debts that she says it previously wrote off. What happened The facts of this complaint are well known to all parties, so I won’t set them out in detail. But, in summary, Ms G is complaining Barcl... (2 pages)View decision -
Decision Reference DRN-2766975
19 May 2021 BW Legal Services Limited Not upheldConsumer CreditDRN-2766975 The complaint Mr B has complained that BW Legal Services Limited are chasing him for a debt which he feels they haven’t proven. What happened This complaint is about a loan from 2019, which was sold from the original creditor to a new owner in October 2020. The new owner brough... (2 pages)View decision -
Decision Reference DRN6147728
22 Mar 2016 Barclays Bank Plc Not upheldBanking and creditMr H complains that Barclays Bank PLC (trading as Barclaycard) is demanding payment of a credit card debt he thought he’d paid in full.backgroundMr H says he took a loan to pay off his credit card and didn’t think he owed any money. He hadn’t had any contact from the... (2 pages)View decision -
Decision Reference DRN2610730
8 Aug 2017 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Ms Z has complained about the way The Royal Bank of Scotland Plc (‘RBS’) wants to use PPI compensation it has agreed to pay her after she complained about the mis-sale of payment protection insurance (‘PPI’).backgroundMs Z took out a credit card with RBS in September 20... (2 pages)View decision -
Decision Reference DRN0670895
2 Sep 2015 MBNA Limited Not upheldBanking and creditMs D complains that MBNA Limited incorrectly recorded a default on her credit reference file.backgroundIn 2010 Ms D found herself in financial difficulties and approached a debt management company to help her. It sent MBNA a statement of her income and expenditure ... (2 pages)View decision -
Decision Reference DRN4554197
5 Oct 2016 Foundation for Credit Counselling Not upheldBanking and creditMr M, represented by a claims management company (CMC), says that Foundation for Credit Counselling (trading as StepChange) mis-sold him a debt management plan (DMP).backgroundIn 2012, Mr M discussed his debt situation with a free debt service provider. It was recommen... (3 pages)View decision -
Decision Reference DRN4073310
4 Dec 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMr U and Mr W through their solicitor B complain that A, an appointed representative of Legal & General Partnership Services Limited, gave unsuitable advice to pay unsecured debts using a mortgage (“consolidation”) and caused them financial loss. They want compensation... (2 pages)View decision -
Decision Reference DRN8640496
10 Nov 2014 The Debt Dissolver Ltd UpheldBanking and creditMr B complains about a debt management plan he took out with The Debt Dissolver Ltd. He is unhappy that the payments he has made to The Debt Dissolver have not been passed to his creditors. backgroundMr B entered into a debt management plan with The Debt Dissolver around September 20... (2 pages)View decision -
Decision Reference DRN3964463
25 Jul 2018 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs M complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (L&G).backgroundMr and Mrs M re-mortgaged through L&G, consolidating two loans and raising capital of some £35,000. They sa... (4 pages)View decision -
Decision Reference DRN4059255
19 Dec 2013 NEO Media Solutions Limited UpheldBanking and creditMr and Mrs V complain that NEO Media Solutions Limited (trading as One Debt Solution) failed to administer their debt management plan appropriately.our initial conclusionsOur adjudicator upheld the complaint. He concluded that One Debt Solution failed to meet the requirements of ... (2 pages)View decision
