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 DRN-3135417
2 Nov 2021 PRA Group (UK) Limited Not upheldConsumer CreditDRN-3135417 The complaint Mr J is unhappy with PRA Group (UK) Limited’s handling of a credit card debt. Mr J says PRA have no authority to report the default as the court concluded the debt was unenforceable and PRA have failed to show they legally own the debt. What happened I issued my p... (5 pages)View decision -
Decision Reference DRN3222571
20 Jul 2017 Debitum Limited UpheldBanking and creditMs C’s complained about a debt management plan she entered into with Debitum Limited. She’s unhappy that despite her paying £240 a month her debts weren’t settled.backgroundMs C entered into a debt management plan with Debitum in 2010. She says it agreed that it wo... (3 pages)View decision -
Decision Reference DRN1357169
18 Feb 2019 Link Financial Outsourcing Limited UpheldBanking and creditMr G is unhappy that Link Financial Outsourcing Limited (Link Financial) won’t write off his outstanding debt.backgroundMr G contacted Link Financial in November 2017 to ask them to write-off the outstanding debt he had with them. He included a letter from his GP which o... (3 pages)View decision -
Decision Reference DRN-4461764
13 Dec 2023 Freedom Finance Limited UpheldMortgagesDRN-4461764 The complaint Mr K complains that Freedom Finance Limited mis-sold him a second charge mortgage (secured loan). What happened In September 2019 Mr K contacted Freedom Finance to discuss taking out a secured loan. He wanted to explore consolidating existing unsecured debt to red... (7 pages)View decision -
Decision Reference DRN-2484565
11 Jan 2021 Arrow Global Limited Not upheldConsumer CreditDRN-2484565 The complaint Mr T complains that Arrow Global Limited has been chasing him for a debt which he disputes is his. He wants it to stop collection activities directed at him. What happened Mr T tells us that Arrow has been harassing him in the way it’s trying to collect a debt whi... (3 pages)View decision -
Decision Reference DRN7448413
9 Nov 2018 Bank of Scotland Plc Not upheldBanking and creditMr N’s unhappy about the way Bank of Scotland plc (trading as Halifax) has dealt with him when he was experiencing financial difficulty.background In 2010 Mr N contacted Bank of Scotland when he was in financial difficulty. He says it transferred him to a debt managemen... (3 pages)View decision -
Decision Reference DRN9246291
22 Dec 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr C complains that a debt management plan was mis-sold to him by Harrington Brooks (Accountants) Limited. He is being helped with his complaint by a representative.backgroundMr C entered into a debt management plan in April 2010 with another debt management company. Th... (2 pages)View decision -
Decision Reference DRN2624267
20 Apr 2015 Platform Home Loans Ltd Not upheldBanking and creditMiss L has complained that Platform Home Loans Ltd has continued to hold her responsible for a mortgage for which she is no longer liable, and it has recorded information about that mortgage on her credit reference file.background I issued my provisional decision in M... (4 pages)View decision -
Decision Reference DRN4659675
4 Jun 2019 Link Financial Outsourcing Limited UpheldBanking and creditMr M complains that Link Financial Outsourcing Limited asked him to pay a balance which he’s already paid.backgroundMr M previously owed a debt in relation to a credit card account which he says was paid in full under a debt management plan.In or around September 2... (2 pages)View decision -
Decision Reference DRN0002227
28 Sep 2018 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Ms T complains that The Royal Bank of Scotland Plc (RBS) used compensation from a mis-sold payment protection insurance (PPI) policy to reduce a debt it says Ms T owes. Ms T wants the compensation paid directly to her.backgroundBetween 2004 and 2008 Ms T took out a seri... (2 pages)View decision
