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 71523 results
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Decision Reference DRN0766567
31 Mar 2014 Cabot Financial (Europe) Limited Not upheldBanking and creditMr B complains that Cabot Financial (Europe) Limited did not provide him with correct information about his debt which it had purchased from a third party.backgroundMr B received a letter from the agent of the third party to say that the third party had transferred a debt he owed it to ... (2 pages)View decision -
Decision Reference DRN-2959695
19 Aug 2021 Arrow Global Limited UpheldBanking and PaymentsDRN-2959695 The complaint Mr S complains that Arrow Global Limited (Arrow) registered a default against his name. What happened A default was registered by Arrow in Mr S’ name on 1 December 2015 on debt A. It had been purchased from another lender by Arrow in September 2014. The balance is... (2 pages)View decision -
Decision Reference DRN2117932
10 Feb 2015 Debt and Claims Limited UpheldBanking and creditMr F and Mrs Q have complained about how Debt and Claims Limited managed their debt management plan. They’re particularly concerned that the payments they made were not being passed on to their creditors, and that their debt grew rather than decreased.backgroundMr F and Mrs Q had thr... (3 pages)View decision -
Decision Reference DRN3225001
21 Feb 2017 Barclays Bank Plc Not upheldBanking and creditMr R complained because Barclays Bank PLC returned payments which were intended for his debt management plan. He wants Barclays to clear his outstanding balance.backgroundMr R had a debt management plan with Barclays. It was run for him by a debt charity. But the deb... (3 pages)View decision -
Decision Reference DRN-1553751
15 May 2020 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-1553751The complaintMr G complains that Cabot Credit Management Group Limited have failed to provide relevant documents or otherwise prove that the sums sought from him are correct and arose fairly. He feels it’s unfair for Cabot to pursue the debts without that evidence. What happened... (3 pages)View decision -
Decision Reference DRN-3335982
16 Mar 2022 Totemic Limited Not upheldConsumer CreditDRN-3335982 The complaint Mr J complains that Totemic Limited trading as PayPlan made errors when setting up a Debt Management Plan (DMP). What happened In March 2021 Mr J and his representative (Mrs J) spoke with PayPlan to discuss arrangements for setting up a DMP. Mr J had previously de... (2 pages)View decision -
Decision Reference DRN7271164
5 Mar 2021 123 Debt Solutions Ltd UpheldBanking and creditMiss R has complained 123 Debt Solutions Ltd won’t refund fees for a debt management plan taken from her account from 2012 to 2014. She never agreed to set up this plan. background 123 Debt Solutions administered a debt management plan on Miss R’s behalf from April 2012 to May 2014. 18 pay... (3 pages)View decision -
Decision Reference DRN2846172
30 Jul 2019 Lloyds Bank PLC UpheldBanking and creditMrs F complains that Lloyds Bank PLC made errors in providing information to her debt management company with the result that she made payments to two debts instead of to just one.backgroundI should say at the outset that Lloyds has raised jurisdiction issues about this case, which have be... (3 pages)View decision -
Decision Reference DRN2813403
6 Aug 2015 The Royal Bank of Scotland Plc UpheldBanking and creditMr A complains that The Royal Bank of Scotland Plc (“RBS”) is demanding payment on a debt which was paid off in 2014. He says the RBS accepted the payment as full and final settlement of the debt. our initial conclusionsOur adjudicator thought the settlement suggested by RBS to ... (2 pages)View decision -
Decision Reference DRN-2556158
19 Feb 2021 Advanced Payment Solutions Limited UpheldBanking and PaymentsDRN-2556158 The complaint Miss H complains that Advanced Payment Solutions Limited trading as Cashplus (Cashplus) defaulted her account and sold it to a debt collection agency. What happened Miss H had a credit card from Cashplus since 2014. She was made bankrupt in October 2016. In 2019, ... (2 pages)View decision
