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 70370 results
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Decision Reference DRN8167607
20 Apr 2015 RG Debt Management Services Limited Not upheldBanking and creditMr M complains about RG Debt Management Services Limited (trading as Debt Line). He says that, although it promised to reduce his debts, stop charges and make him debt free, since he had been paying for its services one of his debts had nearly doubled and he had overp... (2 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 DRN4661245
10 Feb 2014 Capital One (Europe) plc Not upheldBanking and creditMrs S complains that a credit card account with Capital One (Europe) plc was fraudulently set up in her name. The complaint is brought on her behalf by her representative, “Mr T”.backgroundMrs S says that her former partner took out a credit card in her name and kept it concealed from he... (3 pages)View decision -
Decision Reference DRN6940336
10 Jun 2014 Lloyds Bank PLC Not upheldBanking and creditMr V complains that Lloyds Bank PLC wants him to repay a debt jointly owed with his ex-wife. He says he has paid back his part of the debt. Further, Lloyds has not provided him with enough information about the debt. backgroundthe debtMr V opened a Lloyds current account with his ex-wife... (2 pages)View decision -
Decision Reference DRN-4958477
21 Aug 2024 London Community Credit Union Limited UpheldConsumer CreditDRN-4958477 The complaint Ms K complains that London Community Credit Union Limited (“LCCU”) continued to pursue her for a debt which was included in her Debt Relief Order. What happened Ms K held a loan with LCCU. In May 2022 she applied for a Debt Relief Order (DRO). Her application w... (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 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 DRN4862552
7 Mar 2017 Cabot Financial (Europe) Limited Not upheldBanking and creditMr S complains that Cabot Financial (Europe) Limited, (“CFL”), has failed to send him the original credit agreement and full details of all payments and charges in relation to two debts it’s pursuing him for.backgroundMr S had a credit card account with a credit card p... (3 pages)View decision -
Decision Reference DRN1405731
20 Sep 2016 Arrow Global Limited Not upheldBanking and creditMr C complains that Arrow Global Limited (“Arrow”) is chasing him for payment of a debt he doesn’t owe it. He wants Arrow to admit he doesn’t owe the debt and correct his credit file.backgroundIt appears that Mr C had two credit cards with a credit card company. ... (2 pages)View decision
