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 70502 results
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Decision Reference DRN9744230
23 Mar 2019 Shop Direct Finance Company Limited Not upheldBanking and creditMr C complains that Shop Direct Finance Company Limited (SDFC) refused to write off his debts and has harassed him for payment. backgroundMr C has two accounts with SDFC, one opened in December 2009 and the other in December 2010. In May 2018 he wrote to SDFC to ask ... (2 pages)View decision -
Decision Reference DRN3667607
7 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMr and Mrs T complain that a debt reduction agreement was mis-sold to them by NEO Media Solutions Limited, trading as One Debt Solution. They also complain that it did not pay money to their creditors as it had agreed to do and that it has provided them with poor customer service. back... (2 pages)View decision -
Decision Reference DRN-2159454
20 Oct 2020 Debt Managers (Services) Limited UpheldConsumer CreditDRN-2159454 The complaint Miss L has complained about Debt Managers (Services) Limited chasing her for a debt that wasn’t hers and failing to communicate with her about it. What happened In May 2019, Debt Managers purchased a debt. They say that the original creditor gave them Miss L’s ema... (2 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 -
Decision Reference DRN-1962469
7 Jul 2020 American Express Service Europe Limited (AESEL) UpheldBanking and PaymentsThe complaint Mrs S complains that American Express Services Europe Limited (AESEL) (“AmEx”) told her she was in credit, and gave her a large refund. Mrs S relied on what AmEx said, and spent the money. But then it said she wasn’t in credit, and added the money to her debt. What happened M... (4 pages)View decision -
Decision Reference DRN1590608
3 Aug 2016 Legal & General Partnership Services Limited UpheldBanking and creditThis complaint is about a mortgage arranged for Mr M and Ms M by an adviser connected with Legal & General Partnership Services Limited (L&G).Mr M and Ms M feel that advice to consolidate a car loan was unsuitable. And they’re also unhappy that L&G recom... (3 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 DRN4059886
15 Mar 2016 Arrow Global Limited Not upheldBanking and creditMr C feels that Arrow Global Limited (Arrow) hasn’t treated him fairly over a debt.backgroundMr C has a debt which originated from another firm which Arrow took responsibility for. Arrow has at times outsourced the management of this debt to other parties. Mr C ha... (2 pages)View decision -
Decision Reference DRN-3517029
13 Dec 2022 Evolution Lending Limited Not upheldMortgagesDRN-3517029 The complaint Mr and Mrs H’s complaint is about a secured loan they have with Evolution Lending Limited. They believe the decision to lend to them in 2016 was irresponsible and that appropriate checks were not undertaken before the lending decision was made. What happened In 20... (3 pages)View decision -
Decision Reference DRN1814709
31 Jan 2019 Oakam Ltd Not upheldBanking and creditMiss C complains that Oakam Ltd failed to contact her about missed payments on her debt when she had a debt management plan (DMP) in place and unfairly transferred the balance to a debt collection agency.backgroundMiss C took out a loan with Oakam in 2014 with an ... (2 pages)View decision
