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 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 DRN8832110
17 Jan 2019 Shoosmiths LLP Not upheldBanking and creditMrs R says Shoosmiths LLP hasn’t provided her with the information she needed about her debts in a reliable, comprehensive or timely manner.backgroundMrs R finds herself in a difficult financial position. Shoosmiths is acting for three clients who are trying to recove... (3 pages)View decision -
Decision Reference DRN-3264071
19 Jan 2022 Debt Managers (Services) Limited Not upheldConsumer CreditDRN-3264071 The complaint Mr S has complained about Debt Managers (Services) Limited pursuing him for a debt which was taken out fraudulently in his name. What happened This complaint is about a consumer credit agreement which was opened in Mr S’s name, then was sold to Debt Managers in 20... (3 pages)View decision -
Decision Reference DRN5493227
7 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMs Z complains about a debt reduction agreement that she took out with NEO Media Solutions Limited, trading as One Debt Solution. She complains that it did not pay money to her creditors as it had agreed to do.backgroundMs Z entered into a debt reduction agreement with One Debt Solution ... (2 pages)View decision -
Decision Reference DRN1583376
28 Nov 2017 Barclays Bank Plc Not upheldBanking and creditMr C complains that Barclays Bank Plc has sold his debt when he thought he had paid it off.backgroundMr C said that he had made an arrangement through a debt management charity to pay off his debt with Barclaycard some years ago. And he said that he stuck to that,... (2 pages)View decision -
Decision Reference DRN9767214
6 May 2015 American Express Services Europe Limited Not upheldBanking and creditMr L complains about a debt with American Express Services Europe Limited and is unhappy about the debt still showing on his credit file. He believes the debt is statute barred and it should therefore no longer be showing with the credit reference agencies. backgrou... (2 pages)View decision -
Decision Reference DRN0622437
19 Apr 2013 Santander Cards UK Limited Not upheldBanking and creditMr B complains that Santander Cards unreasonably passed his debt to a debt collection agency.our initial conclusionsThe adjudicator did not recommend that the complaint be upheld. She said that Santander had been entitled to pass Mr B’s debt to debt collectors when he missed a num... (2 pages)View decision -
Decision Reference DRN-2476885
28 Oct 2021 Arrow Global Limited Not upheldConsumer CreditDRN-2476885 The complaint Mr B complains Arrow Global Limited are asking him to repay a debt he doesn’t think they should be. A number of other companies have been involved in contacting Mr B about this debt, but as Arrow are responsible for the complaint, I’ve just referred to them in thi... (5 pages)View decision -
Decision Reference DRN7685243
20 Jun 2014 Debt Connect (U.K.) Limited UpheldBanking and creditMrs F complains that Debt Connect (U.K.) Limited ‘Debt Connect’ has not refunded her the money she was due back for cancelling a debt management plan (‘DMP’). She says that Debt Connect was not making payments to her creditors while she was in the plan.backgroundMrs F had a DMP with D... (2 pages)View decision -
Decision Reference DRN4904649
26 Feb 2016 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs F complain that they were given unsuitable mortgage advice by Legal & General Partnership Services Limited.backgroundMr and Mrs F re-mortgaged in 2008 after receiving advice from Legal & General. It recommended a repayment mortgage with a five year f... (2 pages)View decision
