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 71155 results
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Decision Reference DRN7801485
18 Apr 2013 William Goldberg Limited UpheldBanking and creditMiss J complains about the way William Goldberg administered her debt management plan and the adverse effect she says this had on her debts and credit file. backgroundMiss J signed up to a debt management plan with William Goldberg in 2009. In 2010 her account was transferred to ano... (3 pages)View decision -
Decision Reference DRN-4922380
20 Aug 2024 Lendable Ltd Not upheldConsumer CreditDRN-4922380 The complaint Miss C complains that Lendable Ltd lent irresponsibly when it approved her loan application. What happened Mss C applied for a debt consolidation loan with Lendable in May 2021 for £20,000 plus interest and fees. In her application, Miss C says she was renting ... (3 pages)View decision -
Decision Reference DRN5187159
25 Sep 2015 The Royal Bank of Scotland Plc UpheldBanking and creditMr M complains that The Royal Bank of Scotland plc used a refund of his legal fees to reduce the outstanding balance on a debt. He thinks he should get the refund.our initial conclusionsOur adjudicator partially upheld the complaint. She found RBS was right to offset the money... (2 pages)View decision -
Decision Reference DRN2452559
10 Feb 2020 Caversham Finance Limited UpheldBanking and creditMs W complains that Caversham Finance Limited, trading as Brighthouse, won’t refund payments she made to her daughter’s account in error. backgroundMs W’s daughter took out finance with Brighthouse and made purchases whilst living at home with Ms W. In December 2016 Ms W’s daughter left ho... (3 pages)View decision -
Decision Reference DRN8282286
6 Nov 2013 Bank Of Scotland Equipment Finance Limited Not upheldBanking and creditMs S says Bank of Scotland Equipment Finance Limited is wrongly asking her to repay an outstanding balance from a hire agreement she took out for her business. Ms S holdsBank of Scotland responsible for misleading information she says she was given by the broker of the credit, and the... (3 pages)View decision -
Decision Reference DRN4920968
12 Jul 2016 Creation Financial Services Limited UpheldBanking and creditMrs C complains that Creation Financial Services Limited didn’t apply a default to her credit card account when she entered financial difficulties. So after six years her credit file still shows a debt management plan that she thinks should have dropped off. background... (2 pages)View decision -
Decision Reference DRN7046630
19 Feb 2018 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr R says Capital One (Europe) plc mis-sold him payment protection insurance (PPI).backgroundIn September 2001 Mr R took out a credit card with Capital One. At the same time it sold him payment protection insurance. In August 2015, Capital One upheld Mr R’s complai... (2 pages)View decision -
Decision Reference DRN8525590
16 Sep 2016 Debt Management Associates Limited Not upheldBanking and creditMr G and his representative are unhappy about the advice he was given by Debt Management Associates Limited (trading as Money Village) to enter into a debt management plan. They say it wasn’t the appropriate solution for his situation. He’d have been better with a de... (2 pages)View decision -
Decision Reference DRN0113613
25 Jan 2019 Bank of Scotland Plc Not upheldBanking and creditMiss K complained that Bank of Scotland plc, trading as Halifax, gave her a secured loan which wasn’t affordable. She wants the loan written off. backgroundMiss K had a mortgage with Halifax. In May 2017 she applied for a further advance for £37,000. This was made up ... (3 pages)View decision -
Decision Reference DRN1998343
27 Jul 2016 Debt Advisory Line Limited Not upheldBanking and creditMr and Mrs C complain that Debt Advisory Line Limited (DAL) mis-sold a debt management plan (DMP) to them.backgroundMr and Mrs C made an agreement with DAL to use its services in July 2012. They say that DAL should have told them that similar services to those ... (3 pages)View decision
