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 70772 results
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Decision Reference DRN1764585
19 Jan 2017 Gregory Pennington Limited Not upheldBanking and creditMiss M, represented by a claims management company (CMC) says that the debt management plan (DMP) she entered into with Gregory Pennington Limited (the business) was mis-sold.backgroundMiss M entered into a DMP with the business in 2009. She complains that at that time ... (2 pages)View decision -
Decision Reference DRN6158783
15 Jul 2015 Advance Mortgage Funding Ltd Not upheldBanking and creditMr and Mrs P complain that the mortgage recommended by Advance Mortgage Funding Ltd was unsuitable. They are represented by a solicitor, which I will call A.backgroundAdvance Mortgage Funding Ltd recommended a repayment mortgage to Mr and Mrs P in 2007. A says the a... (3 pages)View decision -
Decision Reference DRN1361720
8 Jun 2018 Cabot Credit Management Group Limited Not upheldBanking and creditMr L has complained Cabot Credit Management Group Limited, trading as Cabot Financial (Europe) Limited, is pursuing him for debts which he doesn’t owe. He’s also concerned he’s in no position to pay this money.backgroundFor a few years Mr L had been making three payme... (3 pages)View decision -
Decision Reference DRN3870026
13 Feb 2014 123 Debt Solutions Ltd UpheldBanking and creditMiss B complains that 123 Debt Solutions Ltd did not treat her reasonably or fairly in that it took money for a PPI claim when she had expressly told it not to. She also complains that when she told it she could not afford her monthly payments towards the PPI claim and debt management... (3 pages)View decision -
Decision Reference DRN-3091688
12 Nov 2021 BW Legal Services Limited Not upheldConsumer CreditDRN-3091688 The complaint Mr S complains that BW Legal Services Limited is pursuing him for a debt without providing evidence it has authority to do so. What happened Mr S had a credit card with another business (C). Mr S has explained that after a period of working abroad he experienced i... (2 pages)View decision -
Decision Reference DRN4924721
22 Mar 2016 Bank of Scotland Plc Not upheldBanking and creditMr L has a bank account with Bank of Scotland plc, trading as Halifax. He complains that he didn’t receive a replacement debit card for his account. Mr L says that Halifax put a bankruptcy marker on his credit file by mistake and that this has stopped him getting ... (3 pages)View decision -
Decision Reference DRN6127208
9 Nov 2016 RG Debt Management Services Limited Not upheldBanking and creditMrs O, and her representative (a claims management company), have complained that RG Debt Management Service Limited (trading as Debt Line), didn’t make it clear to her that she could obtain a fee free service elsewhere in order to manage her debts.backgroundMrs O e... (3 pages)View decision -
Decision Reference DRN-5091011
28 Nov 2024 Aro Finance Limited UpheldMortgagesDRN-5091011 The complaint Mr W has complained that Aro Finance Limited mis-sold him a second charge mortgage in 2021. Mr W has said that the mortgage was unaffordable, has made his situation worse, and he considers Aro took advantage of him when he was desperate for help. What happened ... (4 pages)View decision -
Decision Reference DRN9467100
21 Mar 2018 Hoist Finance UK Limited Not upheldBanking and creditMiss C complains that Hoist Finance UK Limited (Robinson Way) is seeking payment from her for debts which she believes are more than 20 years old.background Miss C received letters and visits from Robinson Way in relation to debts which she says are statute barred.Robin... (2 pages)View decision -
Decision Reference DRN2430648
6 Sep 2016 DFH Limited Not upheldBanking and creditMr C, represented by a claims management company (CMC), complains that the debt management plan (DMP) he entered into with DFH Limited (the business) was mis-sold. backgroundThe CMC says that when Mr C approached the business in March 2013 he had debts totalling over £1... (3 pages)View decision
