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 DRN5593041
17 Oct 2014 Aktiv Kapital (UK) Limited Not upheldBanking and creditMr C complains that Aktiv Kapital (UK) Limited recently started pursuing him for a debt which he believes he has paid in full.backgroundMr C recently received contact from agents working on behalf of Aktiv Kapital about the debt which he says he paid off in 2005. He has also said that... (2 pages)View decision -
Decision Reference DRN9922374
9 Nov 2016 Moneyplus Group Limited Not upheldBanking and creditMr R complains that he wasn’t provided with satisfactory advice about his debt management plan (“DMP”) with MoneyPlus Group Limited, (“MGL”). The complaint is brought to this service on Mr R’s behalf by a claims management company (“CMC”). But for ease, I shall refer ... (2 pages)View decision -
Decision Reference DRN-5037714
23 Oct 2024 TRANSUNION INTERNATIONAL UK LIMITED UpheldConsumer CreditDRN-5037714 The complaint Mr G complains TransUnion International UK Limited incorrectly reported a debt on his credit file. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant elements of this below, and th... (7 pages)View decision -
Decision Reference DRN4073310
4 Dec 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMr U and Mr W through their solicitor B complain that A, an appointed representative of Legal & General Partnership Services Limited, gave unsuitable advice to pay unsecured debts using a mortgage (“consolidation”) and caused them financial loss. They want compensation... (2 pages)View decision -
Decision Reference DRN6147728
22 Mar 2016 Barclays Bank Plc Not upheldBanking and creditMr H complains that Barclays Bank PLC (trading as Barclaycard) is demanding payment of a credit card debt he thought he’d paid in full.backgroundMr H says he took a loan to pay off his credit card and didn’t think he owed any money. He hadn’t had any contact from the... (2 pages)View decision -
Decision Reference DRN5755534
23 May 2018 NatWest Markets Plc Not upheldPayment protection insurance (PPI)Mr A has complained about the way The Royal Bank of Scotland Plc (RBS) sorted out the overly-high commission they charged for a payment protection insurance (PPI) policy.backgroundBetween 2001 and 2009, Mr A had a PPI policy on his credit card.In 2013, Mr A entered a ... (3 pages)View decision -
Decision Reference DRN-2351401
17 Dec 2020 PayPal Europe Sarl & Cie, SCA UpheldBanking and PaymentsDRN-2351401 The complaint Mr A has complained that PayPal Europe Sarl & Cie, SCA (PayPal) say that he owes them £2,450. He disputes this. What happened In January 2020, Mr A bought a service from a supplier for £2,450. His credit card account was debited through PayPal. He was unhappy ... (3 pages)View decision -
Decision Reference DRN3176095
6 Feb 2017 Clydesdale Bank Plc Not upheldBanking and creditN, a limited company, complains that Clydesdale Bank plc sold its debt to an unregulated lender. It says this was in breach of the account terms and conditions and relevant laws and regulations. N is represented by its director, who I’ll call Mr P. It asks for compen... (2 pages)View decision -
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 DRN1377339
29 Nov 2019 PRA Group (UK) Limited Not upheldBanking and creditMrs A complains about the service that she’s received from PRA Group (UK) Limited in connection with her credit card debt. backgroundMrs A had a credit card debt with a credit card provider of £3,598.74 that was assigned to a third party in August 2012 and then to PRA Group in January 2015... (3 pages)View decision