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 77331 results
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Decision Reference DRN-5821922
17 Feb 2026 New Wave Capital Limited UpheldBanking and PaymentsDRN-5821922 The complaint Mr S complains that New Wave Capital Limited (trading as Capital on Tap) misadvised him about the impact to his credit report of entering an arrangement to repay the debts of a limited company. What happened Mr S personally guaranteed the debts of his limited ... (3 pages)View decision -
Decision Reference DRN1688807
14 Nov 2014 Quinn & Co Debt Management Limited UpheldBanking and creditMr E complains that Quinn & Co Debt Management Limited, trading as Red Dm, (“Quinn”) misrepresented a debt management plan (“DMP”) to him.background Mr E entered into a DMP with Quinn in January 2014. He sent it information on his debts using a courier service paid for by Quinn. This ... (2 pages)View decision -
Decision Reference DRN6387482
3 Apr 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs H through their representative B complain that the appointed representative of Legal & General Partnership Services Limited, A, mis-sold them a mortgage in 2006. They want compensation.backgroundMr and Mrs H took advice from A, an appointed representativ... (2 pages)View decision -
Decision Reference DRN6901879
25 Oct 2016 Robinson Way Limited Not upheldBanking and creditMr G complains that Robinson Way Limited is pursuing him for a debt which he says it has now been able to show he is liable for.backgroundMr G entered into a credit card agreement with a third party. He believes he settled the debt in 2012. But he now thinks a pay... (3 pages)View decision -
Decision Reference DRN7184821
22 Mar 2016 Legal & General Partnership Services Limited UpheldBanking and creditMrs A complains that she was mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (L&G).backgroundL&G made a recommendation to Mrs A for a remortgage. She also consolidated credit card debts and a loan into the n... (2 pages)View decision -
Decision Reference DRN-4207331
12 Jul 2023 Wescot Credit Services Limited UpheldConsumer CreditDRN-4207331 The complaint Mr B has complained that Wescot Credit Services Limited sent him the wrong settlement figures. What happened Both sides are most familiar with the case, so I’ll summarise things in brief. Wescot were acting as debt collectors for two debts that Mr B owed. Mr B off... (2 pages)View decision -
Decision Reference DRN1296628
20 Jun 2017 Aviva Insurance Limited Not upheldPayment protection insurance (PPI)Mr M bought a regular premium payment protection policy (PPI) with a home shopping account in 1996; the insurer was Aviva Insurance Limited trading as Shop Direct (Shop Direct)backgroundShop Direct agreed that Mr M had been mis-sold the PPI and it made him an offer in... (2 pages)View decision -
Decision Reference DRN3735356
10 Aug 2015 HSBC Bank plc Not upheldBanking and creditMr W complains about how HSBC Bank plc managed the debt on his current and loan accounts.background Mr W had an overdraft on his current account of £382.45 and a loan of £1,838.63. He says he was told his current account debt would be written off and wouldn’t be sent ... (2 pages)View decision -
Decision Reference DRN-1576588
10 Sep 2020 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-1576588The complaintMr M is unhappy with how Bank of Scotland trading as Halifax (Halifax) is displaying information on his credit file. What happenedMr M experienced financial difficulty and entered into a Debt Arrangement Scheme (DAS). Once the DAS was finished Mr M discovered that s... (2 pages)View decision -
Decision Reference DRN0903920
13 Jan 2016 Legal & General Partnership Services Limited UpheldBanking and creditMr R, through a claims manager (CMC), complains that he received unsuitable mortgage advice from a representative of Legal & General Partnership Services Limited (L&G).backgroundIn 2009, after taking advice from L&G, Mr R took out a new mortgage. He repaid... (2 pages)View decision