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
-
Decision Reference DRN2093744
11 Feb 2015 Hillesden Securities Limited Not upheldBanking and creditMr D complains that he is being pursued for a debt by Hillesden Securities Limited trading as Direct Legal & Collections (DLC) which does not belong to him. Further, it has recorded incorrect information on his credit file. backgroundDLC acquired a debt in 2012. It was unaware that ... (2 pages)View decision -
Decision Reference DRN4878325
12 Sep 2016 Baines & Ernst Limited UpheldBanking and creditMrs J complains that she’s being asked to pay a debt which Baines & Ernst Limited told her had been repaid in 2011.backgroundMrs J had a debt management plan with Baines & Ernst. In November 2011, following an inheritance, she was able to repay her debts a... (2 pages)View decision -
Decision Reference DRN-2560231
17 May 2021 Lowell Financial Ltd Not upheldConsumer CreditDRN-2560231 The complaint Mr B complains that Lowell Financial Ltd won’t provide documents to prove it owns debts it says it acquired in his name. What happened Lowell says that in 2015 it purchased five debts in Mr B’s name. Lowell sent Mr B a notice of assignment for each debt it says it... (2 pages)View decision -
Decision Reference DRN3118618
18 May 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs M complain that Legal & General Partnership Services Limited (LGPS) gave them unsuitable mortgage advice. In particular, they say it failed to advise them on the implications of consolidating unsecured debts onto their mortgage.Mr and Mrs M are represented... (2 pages)View decision -
Decision Reference DRN-2869113
5 Jul 2021 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-2869113 The complaint Mr K complains that Capquest Debt Recovery Limited is acting unfairly by not offering him a higher discount off his debt in line with the offers made by other businesses. What happened Mr K tells us that for some years he’s been paying off various debts to differe... (2 pages)View decision -
Decision Reference DRN3424388
28 Aug 2015 Moorgate Loan Servicing Limited Not upheldBanking and creditMiss S complains that Moorgate Loan Servicing Limited will not provide her with proof that she must pay them in respect of a debt, or of how much is owed on that debt.backgroundMiss S had a debt which was sold to another lender. Moorgate wrote to Miss S to ask her... (2 pages)View decision -
Decision Reference DRN2923843
15 Mar 2016 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr D is complaining about the way his compensation has been paid in relation to a mis-sold payment protection insurance (“PPI”) policy by Capital One (Europe) plc (“Capital One”).backgroundI issued a provisional decision on this complaint in February 2016.Capital One agreed... (2 pages)View decision -
Decision Reference DRN4879694
17 Sep 2015 Clear View Finance Limited UpheldBanking and creditMs D complains Clear View Finance Limited agreed to help her reduce her debts but hasn’t done so.backgroundIn 2012 Ms D agreed that Clear View would help her reduce her debts. Ms D says she was told her plan would last less than three years. In 2015 Ms D complained t... (2 pages)View decision -
Decision Reference DRN-4786373
9 Aug 2024 Totemic Limited Not upheldConsumer CreditDRN-4786373 The complaint Mr R is unhappy that Totemic Limited trading as PayPlan will not write off his outstanding debts due to ill health. What happened Mr R is unhappy with the way that PayPlan has administered his account. Mr R says that the medical reports he supplied to PayPlan a... (3 pages)View decision -
Decision Reference DRN1020905
23 Dec 2015 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Mr C’s complaint is about a payment protection insurance (PPI) policy taken out with a hire purchase loan. Creation Financial Services Limited (Creation) offered compensation to settle the complaint but Mr C isn’t happy with how Creation has used the compensation.back... (5 pages)View decision
