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 DRN5218766
16 Jun 2015 Bank of Scotland Plc Not upheldBanking and creditMs R has complained that Bank of Scotland plc, trading as Halifax, is asking her to pay two credit card debts. She believes that her details have been changed without her consent which has led to the arrears.This complaint is related to another complaint Ms R ha... (2 pages)View decision -
Decision Reference DRN-1382377
17 Nov 2020 Debt Managers (Services) Limited UpheldConsumer CreditDRN-1382377 The complaint Mr W complains that Debt Managers (Services) Limited are chasing him for a debt that isn’t his. He also complains that the resulting marker on his credit file has prevented him from getting mortgages. What happened Mr W said he received a letter from a debt manage... (2 pages)View decision -
Decision Reference DRN3599966
2 Jul 2015 Ruthbridge Limited Not upheldBanking and creditMr G complains that Ruthbridge Limited was wrong to contact him about debts that weren’t his and refuse to provide further details.backgroundRuthbridge contacted Mr G about credit card debts on behalf of the debt owner. When Mr G responded it asked him for personal ... (2 pages)View decision -
Decision Reference DRN6383985
8 Nov 2016 Debt Information Services Limited Not upheldBanking and creditMiss K has complained Debt Information Services Limited (‘DIS’) mis-sold her a debt management plan.She’s represented by D, a claims management company.backgroundDIS arranged a debt management plan for Miss K. She said an individual voluntary arrangement (IVA) would’ve be... (2 pages)View decision -
Decision Reference DRN1136544
10 Aug 2017 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr S is complaining that Capital One (Europe) plc has used the compensation it offered for the mis-selling of a payment protection insurance (PPI) policy attached to his credit card, to reduce his outstanding debt.backgroundMr S took out a credit card in 1999. At the ... (2 pages)View decision -
Decision Reference DRN5422498
2 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMr D complains about a debt reduction agreement that he took out with NEO Media Solutions Limited, trading as One Debt Solutions. He complains that it did not pay money to his creditors as it had agreed to do, that it did not respond to his letters and that it did not return his documen... (2 pages)View decision -
Decision Reference DRN-2342189
22 Apr 2021 National Westminster Bank Plc Not upheldInsuranceDRN-2342189 The complaint Miss N’s complaint is that National Westminster Bank Plc (NatWest) has used the compensation from three mis-sold payment protection insurance (PPI) policies to reduce the debt it says Miss N still owes it following completion of an Individual Voluntary Arrangement... (2 pages)View decision -
Decision Reference DRN-2238251
22 Apr 2021 The Royal Bank of Scotland Plc Not upheldInsuranceDRN-2238251 The complaint Mr B’s complaint is that The Royal Bank of Scotland Plc (RBS) has used the compensation from a mis-sold payment protection insurance (PPI) policy to reduce the debt it says Mr B still owes following completion of an Individual Voluntary Arrangement (IVA). What hap... (2 pages)View decision -
Decision Reference DRN9240789
26 Nov 2013 DEBT CORRECT Not upheldBanking and creditMr D complains about the way Debt Correct Limited arranged and administered a debt management plan with his creditor.background Mr D was having difficulty making full loan repayments and asked Debt Correct to negotiate a debt management plan. It told him that this had been agreed and he ... (2 pages)View decision -
Decision Reference DRN4082393
19 Dec 2013 NEO Media Solutions Limited UpheldBanking and creditMr H complains that NEO Media Solutions Limited (trading as One Debt Solution) failed to administer her debt management plan appropriately.our initial conclusionsOur adjudicator upheld the complaint. He concluded that One Debt Solution failed to meet the requirements of the Office o... (2 pages)View decision
