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 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 DRN5242529
19 Feb 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs F complain that they were mis-sold a mortgage by an authorised representative of Legal & General Partnership Services Limited (“L&G”).backgroundMr and Mrs F say that in 2007 L&G advised them to take an interest-only re-mortgage consolidating a credit card debt c... (2 pages)View decision -
Decision Reference DRN2175615
18 Dec 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs A through their solicitor B complain that W, an appointed representative of Legal & General Partnership Services Limited, gave poor advice in 2006 and 2008 about debt consolidation and recommended an unsuitable mortgage. They want matters put right.backg... (3 pages)View decision -
Decision Reference DRN3795853
16 Jul 2014 DFH Limited Not upheldBanking and creditMiss H complains that DFH Limited mis-advised her in relation to a debt management plan, as it did not warn her that her credit record may be affected.backgroundIn 2011, Miss H entered into a debt management plan with DFH. She discussed the outstanding balances on her credit accounts, a... (2 pages)View decision -
Decision Reference DRN4336925
4 Oct 2013 Pentagon (UK) Limited UpheldBanking and creditMrs and Mr D complain about the advice they were given by Pentagon (UK) Limited to enter into a debt management plan (DMP). They say it was not the most appropriate option for them and say they were not told that one of their creditors had obtained a county court judgment (CCJ) against th... (7 pages)View decision -
Decision Reference DRN-3221577
18 Feb 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3221577 The complaint Mr R is unhappy that HSBC UK Bank Plc suspended his credit account without providing reasonable notice. What happened In March 2019, HSBC sent Mr R a letter informing that his credit account was classified as being in state of persistent debt and which encouraged ... (3 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 DRN9127692
10 Jul 2014 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr and Mrs J brought their complaint to this service as they were unhappy that The Royal Bank of Scotland Plc (“RBS”) used the redress from four mis-sold PPI policies to offset an outstanding debt related to a current account they had with the bank. Mr and Mrs J want all the redress p... (5 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
