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
-
Decision Reference DRN8742510
30 Oct 2019 UK Insurance Limited Not upheldInsurance (excluding PPI)Mr M complains that U K Insurance Limited renewed his insurance policy when he instructed it not to, applied charges when he later cancelled it, and instructed a debt collection agency for the outstanding amount. backgroundOn 1 January 2019, Mr M’s ‘landlord insurance’ policy automatically... (4 pages)View decision -
Decision Reference DRN8903771
26 Jun 2020 Gain Credit LLC UpheldBanking and creditComplaintMiss R says Gain Credit LLC (trading as Drafty) irresponsibly lent to her.BackgroundThe background to this complaint was set out in my provisional decision dated 20 May 2020. An extract from this is attached and forms part of this final decision, so I will not repeat that informat... (5 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 DRN6177066
20 Mar 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr D complains that The Royal Bank of Scotland Plc set off money from his current account to reduce other debts with the bank and closed the account. backgroundMr D, who is in full time employment, set up a small business and obtained finance from the bank to fund it. Following a delay ... (1 page)View decision -
Decision Reference DRN-5433527
28 Mar 2025 Tandem Home Loans Ltd UpheldMortgagesDRN-5433527 The complaint Mr R complains that Tandem Home Loans Ltd trading as Oplo HL Ltd gave him two secured loans that were unaffordable. What happened In March 2021, Mr R took out a secured loan (loan 1) with Oplo for £25,000 repayable over ten years. The loan had a fixed interest ... (7 pages)View decision -
Decision Reference DRN0881488
27 Aug 2013 Lowell Portfolio I Ltd UpheldBanking and creditMrs E complains that Lowell Portfolio I Ltd should withdraw its allegation that she owed it money. backgroundMrs E complained when Lowell threatened her with legal action to recover a debt assigned to it by a catalogue company.The adjudicator recommended that the complaint should be uph... (2 pages)View decision -
Decision Reference DRN3084978
9 Aug 2016 Debt Advisory Line Limited Not upheldBanking and creditMrs C and her representative are unhappy about the advice she was given by Debt Advisory Line Limited (“DAL”) to enter into a debt management plan. She says it was mis-sold to her and wasn’t the appropriate solution for her situation. She’d have been better off becomi... (2 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 DRN-2339416
4 Jan 2021 Credit Resource Solutions Ltd UpheldConsumer CreditDRN-2339416 The complaint Miss B has complained that Credit Resource Solutions Ltd (CRS) treated her poorly when she asked it for proof of a debt. What happened CRS was acting as a debt collector on behalf of a short-term lending creditor. It was chasing Miss B for payment. In October 2019... (2 pages)View decision
