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 69633 results
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Decision Reference DRN5840819
11 Sep 2015 Haydon Associates Debt Management Consultants Ltd UpheldBanking and creditMrs B’s complaint is Haydon Associates Debt Management Consultants Limited (trading as ‘Resolve Money Matters’) mis-sold a debt reduction plan.backgroundIn April 2014, Mrs B entered a debt management plan with Hayden Associates. Mrs B became aware Hayden Associates was p... (2 pages)View decision -
Decision Reference DRN-3176455
2 Dec 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3176455 The complaint Mr J complains that NewDay Ltd trading as Aqua (Aqua) lent to him irresponsibly. What happened Mr J applied for an Aqua credit card in March 2014 and it was agreed with a limit of £250. Limit increases were offered by Aqua and put in place as follows: Date Limit M... (4 pages)View decision -
Decision Reference DRN-3078594
30 Sep 2021 PRA Group (UK) Limited Not upheldBanking and PaymentsDRN-3078594 The complaint Miss C has complained that PRA Group (UK) Limited are pursuing her for debts she didn’t realise she still had, and that they reported things incorrectly on her credit file. What happened This complaint is about three defaulted accounts – a credit card, a loan, and... (3 pages)View decision -
Decision Reference DRN-4698484
27 Mar 2024 Lantern Debt Recovery Services Ltd UpheldConsumer CreditDRN-4698484 The complaint Mr U complains Lantern Debt Recovery Services Ltd trading as Lantern, have reported incorrect information, which has impacted his credit file. What happened Mr U entered a Debt Relief Order (DRO) in March 2021. Included in this DRO were several debts, including a ... (3 pages)View decision -
Decision Reference DRN-2343866
11 Mar 2021 Arrow Global Limited Not upheldConsumer CreditDRN-2343866 The complaint Mrs C complains about the way Arrow Global Limited has handled a debt which it bought in her name. This complaint has been brought on her behalf by a professional representative. What happened In 2011, Arrow bought a debt that it says Mrs C owed to a store card co... (2 pages)View decision -
Decision Reference DRN8148230
20 Jun 2014 Career Development Finance Limited Not upheldBanking and creditMs D complains that she is being pursued by a debt collection agency for repayment of a loan from Career Development Finance Limited which she says she had cancelled. backgroundSome years ago, Ms D took out a point of sale loan from Career Development Finance Limited to pay for her car... (2 pages)View decision -
Decision Reference DRN3365048
30 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMr C and Miss D complain about a debt reduction agreement that they took out with NEO Media Solutions Limited, trading as One Debt Solution. They complain that it did not pay money to their creditors as it had agreed to do. backgroundMr C and Miss D entered into a debt reduction agree... (2 pages)View decision -
Decision Reference DRN3128201
24 Jun 2014 HSBC Bank plc Not upheldBanking and creditMr B complains that HSBC Bank Plc continued to apply charges to his account while his complaint was with this service. He wants it to agree to waive these charges and for adverse information to be removed from his credit record.backgroundMr B had a complaint with this service about over... (2 pages)View decision -
Decision Reference DRN3281670
23 Apr 2019 Prestige Finance Limited Not upheldBanking and creditMrs H complains that Prestige Finance Limited is unfairly asking her to repay a loan she didn’t receive. She asks that the debt is written off or she’s given the loan money. The loan was taken out jointly with Mrs H’s late husband (Mr H). The executors of Mr H’s esta... (3 pages)View decision -
Decision Reference DRN-2473521
2 Mar 2021 Capital One (Europe) plc Not upheldInsuranceDRN-2473521 The complaint Mr P complains that Capital One (Europe) plc has used the compensation due to him from a payment protection insurance (PPI) policy to reduce his outstanding debt with it. Mr P took out a credit card with Capital One in 2004 and took out the PPI at the same time. T... (3 pages)View decision
