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 71923 results
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Decision Reference DRN7860988
29 Sep 2016 Foundation for Credit Counselling Not upheldBanking and creditMiss B complains that Foundation for Credit Counselling, trading as StepChange, mis-sold her a debt management plan. The complaint is brought on her behalf by a claims management company. It says a debt relief order would’ve been more suitable.backgroundMiss B sou... (2 pages)View decision -
Decision Reference DRN-4558791
30 Jan 2024 Paratus AMC Limited Not upheldMortgagesDRN-4558791 The complaint Ms B complains that Paratus AMC Limited trading as Foundation Home Loans (“FHL”) is asking her to repay an interest only mortgage of £160,000, taken out in 2006, plus additional money for mortgage arrears. Ms B challenges the debt, and complains about what FHL has... (3 pages)View decision -
Decision Reference DRN0388472
24 Jan 2019 Bank of Scotland Plc Not upheldBanking and creditMr R complains that Bank of Scotland plc trading as Halifax incorrectly applied a default on his credit file. He would like this default removed and compensation for the time and effort taken in raising this complaint.backgroundMr R fell into financial difficulties ... (3 pages)View decision -
Decision Reference DRN5791432
25 Feb 2014 Debt Advisory Line Limited Not upheldBanking and creditMr T complains about the advice Debt Advisory Line Limited (DAL) gave him concerning a debt he owed jointly with his wife, Mrs T.backgroundIn 2009, Mr T had accumulated a large amount of debt in his own name. He also owed over £5,000 to one creditor jointly with Mrs T. He sought advice f... (2 pages)View decision -
Decision Reference DRN7968998
27 Jun 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMr W is disputing the sum that that Cabot Credit Management Group Limited, trading as Cabot Financial (Europe) Limited, are asking him to repay. He has complained that Cabot hasn’t shown him proof of the amount owing.backgroundMr W had a credit card and, after fall... (2 pages)View decision -
Decision Reference DRN-5091011
28 Nov 2024 Aro Finance Limited UpheldMortgagesDRN-5091011 The complaint Mr W has complained that Aro Finance Limited mis-sold him a second charge mortgage in 2021. Mr W has said that the mortgage was unaffordable, has made his situation worse, and he considers Aro took advantage of him when he was desperate for help. What happened ... (4 pages)View decision -
Decision Reference DRN-2349591
4 Mar 2021 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-2349591 The complaint Miss B complains that Lantern Debt Recovery Services Ltd is unfairly chasing her for a debt. What happened Lantern bought an outstanding debt from company W in 2019. And it seeks repayment of the debt from Miss B. Miss B says that it’s unfair of Lantern to contact... (2 pages)View decision -
Decision Reference DRN0770401
30 Sep 2014 Barclays Bank Plc Not upheldBanking and creditMr L complains that Barclays Bank PLC, trading as Barclaycard, and its predecessor, should have registered defaults in relation to his credit card accounts in 2009 and treated him unfairly in not doing so.backgroundIn 2009, Mr L entered into a debt management programme and paid redu... (3 pages)View decision -
Decision Reference DRN-1962469
7 Jul 2020 American Express Service Europe Limited (AESEL) UpheldBanking and PaymentsThe complaint Mrs S complains that American Express Services Europe Limited (AESEL) (“AmEx”) told her she was in credit, and gave her a large refund. Mrs S relied on what AmEx said, and spent the money. But then it said she wasn’t in credit, and added the money to her debt. What happened M... (4 pages)View decision -
Decision Reference DRN9477943
26 Feb 2014 First Complete Ltd Not upheldBanking and creditMr M is dissatisfied with mortgage advice he received from First Complete Limited. backgroundMr M re-mortgaged his house following advice from an appointed representative of First Complete. Through a claims management company he made the following complaints to First Complete about t... (3 pages)View decision
