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 DRN5184712
13 Nov 2013 The Royal Bank of Scotland Group Independent Financial Services Limited Not upheldInvestment and pensionsMr and Mrs D have complained through their representative about the advice they received from The Royal Bank of Scotland Group Independent Financial Services Limited (“the business”) in 2007. Their representative has stated that Mr and Mrs D should have been advised to repay their outsta... (3 pages)View decision -
Decision Reference DRN3487226
10 Dec 2019 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs B complain about the advice given to them by AWD Home Finance Limited, a mortgage broker and an appointed representative of Legal & General Partnership Services Limited. They say they were mis-sold a mortgage and payment protection insurance. A claims management company (CMC... (3 pages)View decision -
Decision Reference DRN-3160402
17 Nov 2021 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3160402 The complaint Mr S, who is represented by Citizens Advice, complains that Creation Consumer Finance Ltd didn’t tell him he owed money and that it notified credit reference agencies of his subsequent arrears. What happened I have had a limited response from Creation and the info... (2 pages)View decision -
Decision Reference DRN-1140660
19 Nov 2020 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-1140660 The complaint Mr L complains that Link Financial Outsourcing Limited cannot provide the deed of assignment for a loan it says it took over. What happened In March 2019 Mr L wrote to Link regarding correspondence he received in February concerning his liability for a loan. In hi... (3 pages)View decision -
Decision Reference DRN-4066228
4 May 2023 Clydesdale Bank Plc UpheldConsumer CreditDRN-4066228 The complaint Miss E complains Clydesdale Bank Plc trading as Virgin Money (‘Clydesdale’) has acted unfairly in relation to a loan it provided her with. What happened Clydesdale approved Miss E for a £6,400 loan. Miss E says this loan was used to settle a third-party loan (I’ll... (3 pages)View decision -
Decision Reference DRN2044322
12 May 2015 Barclays Bank Plc Not upheldBanking and creditMrs F complains that Barclays Bank Plc (trading as Barclaycard) defaulted her account even though she had a repayment plan in place with them. They did not tell her they had sold her debt to a debt collection company. And she would like the adverse entry removed fr... (2 pages)View decision -
Decision Reference DRN-4622267
20 Aug 2024 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-4622267 The complaint Mr R complains that Link Financial Outsourcing Limited trading as Link Financial forged a notice of assignment (NOA). What happened Mr R has an outstanding debt which was originally owed to a business I will refer to as T. In July 2023, T assigned the debt to a... (2 pages)View decision -
Decision Reference DRN9998630
22 May 2017 UKMS Money Solutions Limited Not upheldBanking and creditMr and Mrs B complain that UKMS Money Solutions Limited mis-sold them a debt management plan. They also complain that it failed to make payments to one of their debtors which led to a county court judgement (“CCJ”) against Mrs B.background Mr and Mrs B entered into ... (2 pages)View decision -
Decision Reference DRN1582780
4 Sep 2015 Link Financial Outsourcing Limited Not upheldBanking and creditMrs C complains that Link Financial Outsourcing Limited registered adverse information on her credit file using a credit card number she knows nothing about. And it misled her and didn’t deal with her complaint within a reasonable time. background In 2013 Mrs C asked L... (2 pages)View decision -
Decision Reference DRN4191211
16 Feb 2021 Madison CF UK Limited UpheldBanking and creditMiss S complains that Madison CF UK Limited, trading as 118 118 Money, lent to her irresponsibly and without carrying out proper affordability checks. She would like all the fees and charges associated with the loan refunded. background In July 2018 118 118 Money approved a loan of £2,000 ... (4 pages)View decision
