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 70137 results
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Decision Reference DRN-4003417
7 Mar 2023 PSP Wealth Management Ltd UpheldPensions and AnnuitiesDRN-4003417 The complaint Ms B complains about the advice given by PSP Wealth Management Ltd (‘PSP’) to transfer the benefits from her defined-benefit (‘DB’) occupational pension scheme to a personal pension arrangement. She says the advice was unsuitable for her and believes this has caus... (8 pages)View decision -
Decision Reference DRN-2651245
23 Apr 2021 Debt Managers (Services) Limited UpheldConsumer CreditDRN-2651245 The complaint Mr W complains that Debt Managers (Services) Limited (DMSL) is chasing him for a debt that isn’t his. What happened In November 2019 DMSL acquired a debt in the same name as Mr W. DMSL was unable to get in contact with the borrower using the details provided by t... (2 pages)View decision -
Decision Reference DRN7834795
23 Apr 2015 NRAM plc UpheldBanking and creditMiss F has complained that NRAM plc has continued to hold her responsible for a mortgage for which she is no longer liable, and it has recorded information about that mortgage on her credit reference file.background I issued my provisional decision in March 2015. A ... (4 pages)View decision -
Decision Reference DRN-2587048
17 Feb 2021 Nationwide Building Society UpheldMortgagesDRN-2587048 The complaint Mrs P complains that Nationwide Building Society gave her false hope that following a successful payment arrangement, her arrears could be capitalised. This turned out not to be the case and as a result Mrs P has suffered distress and financial impact. What happe... (3 pages)View decision -
Decision Reference DRN4393538
4 Jun 2014 Barclays Bank Plc Not upheldBanking and creditMr F complains that Barclays Bank Plc trading as Barclaycard did not stand by its offer to settle his credit card debt. backgroundMr F found himself in financial difficulties and fell into arrears with his credit card. In 2011 he entered into an arrangement with Barclaycard to make small... (1 page)View decision -
Decision Reference DRN8058675
7 Feb 2014 Lloyds Bank PLC Not upheldBanking and creditMr V’s complaint arises out of the way Lloyds Bank plc (then Lloyds TSB) dealt with his financial situation when he was grieving over a close relative.background After the death of a close relative, Mr V realised he couldn’t afford the loans and other credit Lloyds had given to him. He ... (2 pages)View decision -
Decision Reference DRN5036291
17 Jan 2017 Cabot Financial (Europe) Limited Not upheldBanking and creditMs D complains, in summary, that Cabot Financial (Europe) Limited, (“CFL”), hasn’t handled her debt reasonably.backgroundMs D entered into a credit card agreement with a credit card provider (“P”) in 2004. She fell into arrears and her account was defaulted by P in May 2... (3 pages)View decision -
Decision Reference DRN-2913773
13 Jul 2021 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-2913773 The complaint Ms S is unhappy with Cabot Credit Management Group Limited for the way it has handled an outstanding credit card debt. The credit card was taken out with Company M. In particular, Ms S has said she did not recall the debt, and confirmation of her owing the debt wa... (3 pages)View decision -
Decision Reference DRN7839128
10 Nov 2016 One Call Insurance Services Limited UpheldInsurance (excluding PPI)Mr E’s complained that One Call Insurance Services Limited charged him a debt recovery fee unfairly when he cancelled his motor insurance policy.backgroundMr E cancelled his motor insurance policy with One Call. He’d changed his car and their quote to insure it was... (3 pages)View decision -
Decision Reference DRN2356049
24 Jul 2019 Nationwide Building Society Not upheldBanking and creditComplaintMr C has complained as a partner of D, a limited liability partnership, that Nationwide Building Society wrongly retained funds in its own security deposit account when it had agreed to hold them to cover the partners’ tax liabilities. BackgroundMr C took out business loans with N... (6 pages)View decision
