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 77331 results
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Decision Reference DRN3641588
11 Sep 2014 RG Debt Management Services Limited Not upheldBanking and creditMr M complains that RG Debt Management Services Limited, trading as Debt Line, failed to provide him with a satisfactory service. He is seeking a refund of Debt Line’s management fees.backgroundMr M entered into a debt management plan with Debt Line in February 2011. He initially agree... (2 pages)View decision -
Decision Reference DRN-1382377
17 Nov 2020 Debt Managers (Services) Limited UpheldConsumer CreditDRN-1382377 The complaint Mr W complains that Debt Managers (Services) Limited are chasing him for a debt that isn’t his. He also complains that the resulting marker on his credit file has prevented him from getting mortgages. What happened Mr W said he received a letter from a debt manage... (2 pages)View decision -
Decision Reference DRN9647450
25 Sep 2015 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mrs P has complained about the way Capital One (Europe) plc (“Capital One”) has used the compensation it agreed to pay her after she complained about the mis-sale of payment protection insurance (“PPI”).backgroundMrs P took out a credit card with Capital One and also to... (2 pages)View decision -
Decision Reference DRN7667723
15 Feb 2017 Santander UK Plc Not upheldBanking and creditMr M complains that Santander UK Plc sold him a mortgage that he couldn’t afford. He asks for compensation. backgroundIn early 2011 Mr M took out a mortgage for £111,000 with a 14 year term. The mortgage was recommended by a mortgage broker. Mr M used the money to rep... (2 pages)View decision -
Decision Reference DRN6622870
16 Jun 2020 Cabot Credit Management Group Limited Not upheldBanking and creditMr K complains about Cabot Credit Management Group Limited (“Cabot’s”) management of a debt they say he owes them.backgroundMr K has been represented by his solicitors in this complaint but for ease I will refer to Mr K throughout this decision.Mr K says that: a debt Cabot say he has with... (3 pages)View decision -
Decision Reference DRN8231666
8 Jan 2015 Debts Reduced Ltd UpheldBanking and creditMrs A complains about a debt management plan she entered into with Debts Reduced Ltd. She says she was not fully informed about the charges that would be applied to the plan and she is unhappy about the amounts that have actually been passed on to her creditors. backgroundThe complain... (2 pages)View decision -
Decision Reference DRN-2734545
20 Jul 2021 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-2734545 The complaint Mr B complains that Brent Shrine Credit Union Limited, trading as My Community Bank, is reporting a default on his credit file. What happened In 2018 Mr B borrowed £4,000 from My Community Bank (MCB). In 2019 he lost his job due to mental illness, and he fell into... (2 pages)View decision -
Decision Reference DRN4624237
25 Sep 2017 Lloyds Bank PLC Not upheldBanking and creditMr B complains that Lloyds Bank PLC hold him responsible for a credit card debt that isn’t his.backgroundMr B says Lloyds has sold a credit card debt to a third party company whom are now perusing him for it. He says the debt isn’t his and asks Lloyds to provide iden... (2 pages)View decision -
Decision Reference DRN7413166
18 Dec 2017 Angel Advance Limited Not upheldBanking and creditMr V complains that a county court judgment was entered against him at a time when Angel Advance Limited was managing his debts.backgroundMr V entered into an agreement with Angel Advance to manage his debts. This involved Mr V paying a monthly payment, part of whi... (2 pages)View decision -
Decision Reference DRN1207372
31 May 2016 PRA Group (UK) Limited Not upheldBanking and creditMs N complains that PRA Group (UK) Limited is chasing her for a debt dating back to 2002. She wants PRA to stop contacting her, and to remove adverse information relating to this debt on her credit file.backgroundMs N said: The debt relates to a student bank account ... (2 pages)View decision