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 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 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 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 DRN0387648
3 Aug 2015 NRAM plc Not upheldBanking and creditMrs R complains that NRAM plc holds her liable for the whole of the remaining mortgage debt after the sale of her jointly-owned house and that it failed to advise her properly.backgroundMrs R and her former husband jointly mortgaged their house to NRAM. When the ho... (2 pages)View decision -
Decision Reference DRN-2234473
18 Nov 2020 Lowell Financial Ltd Not upheldConsumer CreditDRN-2234473 The complaint Mrs G complains that Lowell Financial Ltd (Lowell) failed to provide a legible copy of her original credit agreement. Mrs G also complains that Lowell failed to carry out reasonable checks when it acquired the debt and that it can’t demonstrate that the outstandin... (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 DRN7693036
11 Jul 2018 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr H has complained about the way The Royal Bank of Scotland Plc (RBS) compensated him for charging him unfair commission on a payment protection insurance (PPI) policy.backgroundIn 1998, Mr H took out a credit card with RBS. The credit card had a PPI policy.Mr H later... (3 pages)View decision -
Decision Reference DRN-2836349
24 Jun 2021 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-2836349 The complaint Mrs N has complained about Lowell Portfolio I Ltd, saying they harassed her for unenforceable debts and falsely reported things on her credit file. What happened This complaint regards a consumer credit account that was bought by Lowell in 2016. For some years, Mr... (2 pages)View decision -
Decision Reference DRN8569252
4 Dec 2015 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Miss F has complained about the way The Royal Bank of Scotland Plc (“RBS”) has used the compensation it agreed to pay her after she complained about the mis-sale of payment protection insurance (“PPI”).backgroundMiss F took out four loans with RBS and also took out PPI ... (2 pages)View decision -
Decision Reference DRN2643044
29 Jun 2016 National Westminster Bank Plc UpheldPayment protection insurance (PPI)Mr K is complaining that National Westminster Bank Plc (‘NatWest’) mis-sold him two payment protection insurance (‘PPI’) policies. He’s unhappy that it’s used the compensation it offered to reduce an outstanding debt.backgroundIn Mr K took out two loans through NatWest ... (3 pages)View decision
