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 DRN8427660
21 Apr 2015 Elite Debt Solutions Ltd UpheldBanking and creditMrs S complains about the way her Debt Reduction Plan has been handled by Elite Debt Solutions Ltd. She wants a refund and compensation.backgroundMrs S paid Elite £400. She understood Elite would get in touch with her creditors and pay them for her. But Elite did not ... (2 pages)View decision -
Decision Reference DRN1632990
21 Jul 2015 Foundation for Credit Counselling UpheldBanking and creditMr C complains that Foundation for Credit Counselling (“StepChange”) a charity managing his debts, paid money to the wrong account. As a result one of Mr C’s debts wasn’t paid and he received letters from debt collectors. He wants compensation for the hurt and upse... (2 pages)View decision -
Decision Reference DRN9774297
9 Jul 2019 Shop Direct Finance Company Limited UpheldBanking and creditMrs S complains that Shop Direct Finance Company Limited registered a debt management plan on her credit file when they should’ve registered a default. She says that, because of this, her credit will be affected far longer than if a default had been registered.Mrs S wants Shop Direct Finan... (3 pages)View decision -
Decision Reference DRN-2910914
14 Jul 2021 American Express Services Europe Limited (AESEL) Not upheldBanking and PaymentsDRN-2910914 The complaint Mr H is unhappy that American Express Services Europe Limited (AESEL) increased the minimum payment on his credit card without his agreement. What happened Mr H had a credit card with AESEL with a debit balance and was paying £198 each month to the account. AESEL ... (2 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 DRN0976520
16 Oct 2013 Britannica Recoveries S.a.r.l. Not upheldBanking and creditMrs R complains about a debt Britannica Recoveries S.a.r.l is asking her to repay. She has questioned whether it can collect the debt as it is a result of a county court judgment (CCJ) for the original creditor. She is also unhappy with the way her enquiries have been dealt with, that ... (2 pages)View decision -
Decision Reference DRN3810225
15 Aug 2019 Paragon Finance Plc Not upheldBanking and creditMrs B complains that Paragon Finance PLC (Idem) is chasing her aggressively for a debt she disputes owing. And she further complains that unfair charges have been applied. She wants the debt written off or reduced and compensation.backgroundMrs B is represented in this complaint by F, a fi... (3 pages)View decision -
Decision Reference DRN-2522022
28 Jan 2021 Lowell Financial Ltd Not upheldBanking and PaymentsDRN-2522022 The complaint Mr M complains about Lowell Financial Ltd’s actions when seeking to recover a debt. Mr M says Lowell has failed to show the debt it is seeking to collect was taken out by him. Mr M also complains that Lowell failed to treat him fairly despite being aware of his ci... (3 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 DRN6895711
29 Aug 2018 Barclays Bank Plc Not upheldBanking and creditThe estate of the late Mrs P complains about how Barclays Bank Plc managed her debt to the bank. Mr P brings this complaint on behalf of the estate.backgroundWhen Mrs P died, the estate discovered that she owed money, including to Barclays. The estate said that ... (2 pages)View decision
