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 69711 results
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Decision Reference DRN2537759
19 Nov 2014 Nationwide Building Society Not upheldPayment protection insurance (PPI)Mrs D’s complaint is that Nationwide Building Society (Nationwide) wants to set the compensation due to her for a mis-sold payment protection insurance (PPI) policy against arrears on her credit card account. Mrs D wants the compensation paid directly to her.backgroundMrs D complained to ... (2 pages)View decision -
Decision Reference DRN9489323
23 Nov 2016 DEBT CORRECT Not upheldBanking and creditMr M complains that Debt Correct Limited, trading as Debt Correct, (“DC”), didn’t provide him with appropriate information when he entered into a debt management plan (“DMP”) with it. The complaint is brought to this service on Mr M’s behalf by a claims management comp... (3 pages)View decision -
Decision Reference DRN0292740
19 Dec 2013 NEO Media Solutions Limited UpheldBanking and creditMr R complains that NEO Media Solutions Limited (trading as One Debt Solution) failed to administer his 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... (2 pages)View decision -
Decision Reference DRN-4191272
29 Aug 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4191272 The complaint Mr E complains that FUND OURSELVES LIMITED (“Fund Ourselves”) has not treated him fairly. He complains that it has not been transparent with him. Mr E has suggested that the debt is not his. The name of the lender was different when the loan was set up and the agr... (7 pages)View decision -
Decision Reference DRN-4554790
17 May 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4554790 The complaint Mrs P complains that interest and charges refunded by TSB Bank plc should’ve been refunded to her personally rather than to her account. What happened Mrs P had an overdraft with TSB Bank Plc which was included within a Debt Relief Order (DRO) granted in September... (2 pages)View decision -
Decision Reference DRN8060981
8 Apr 2020 Elderbridge Limited Not upheldBanking and creditMr and Mrs K complain that Elderbridge Limited hasn’t treated them fairly when they’re been in financial difficulties repaying a second charge over their property. They want matters put right and for Mrs K not to be liable for the debt if anything happens to Mr K.backgroundMr and Mrs K had... (3 pages)View decision -
Decision Reference DRN2465245
9 Sep 2019 Link Financial Outsourcing Limited Not upheldBanking and creditMs V complains that Link Financial Outsourcing Limited (Link Financial) is chasing her for a debt she doesn’t believe she owes. She would like the debt written off.backgroundMs V says that Link Financial is pursuing her for an initial debt of £6,570.89 which has now risen to £11,581.55. Sh... (3 pages)View decision -
Decision Reference DRN1190559
8 Jul 2016 Christians Against Poverty Not upheldBanking and creditMr B complains about the way that Christians Against Poverty has managed his debt plan and that it won’t continue to deal with his debts.backgroundMr B agreed a debt management plan with Christians Against Poverty. It helped him to clear his arrears with a utility compa... (2 pages)View decision -
Decision Reference DRN7611584
26 Jun 2017 Next Retail Limited Not upheldBanking and creditMrs P complains about adverse data on her credit file in relation to a debt with Next Retail Limited (Next). She believes she has settled the debt. She would like the adverse data removed.backgroundMrs P says Next sold her outstanding debt on in 2014. She says she made ... (2 pages)View decision -
Decision Reference DRN-3777392
2 Nov 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3777392 The complaint Mrs R complains that Bank of Scotland plc has enforced a personal guarantee she signed, and so is pursuing her for a debt. What happened The background to this case is well-known to both parties, so I won’t repeat it in detail here and will just set out a brief su... (2 pages)View decision
