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 DRN8847625
19 Dec 2013 NEO Media Solutions Limited UpheldBanking and creditMiss D complains that NEO Media Solutions Limited (trading as One Debt Solution) failed to administer her debt management plan appropriately.our initial conclusionsOur adjudicator upheld the complaint. He concluded that One Debt Solution failed to meet the requirements of the Offic... (2 pages)View decision -
Decision Reference DRN3411538
2 Dec 2015 The Co-operative Bank Plc UpheldPayment protection insurance (PPI)Miss C’s complaint is about the mis-sale of two payment protection insurance (PPI) policies and the way The Co-operative Bank Plc has offered to put that right.backgroundThis complaint is about two PPI policies which Miss C bought in 2005 at the same time as taking o... (2 pages)View decision -
Decision Reference DRN-3091688
12 Nov 2021 BW Legal Services Limited Not upheldConsumer CreditDRN-3091688 The complaint Mr S complains that BW Legal Services Limited is pursuing him for a debt without providing evidence it has authority to do so. What happened Mr S had a credit card with another business (C). Mr S has explained that after a period of working abroad he experienced i... (2 pages)View decision -
Decision Reference DRN2077028
10 May 2019 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr R’s complain is about the compensation Bank of Scotland plc (BoS) paid to settle his complaint about a mis-sold payment protection insurance (PPI) policy that was taken out alongside a loan.backgroundIn 2001 Mr R took out a loan with PPI through BoS. The premium fo... (5 pages)View decision -
Decision Reference DRN4073310
4 Dec 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMr U and Mr W through their solicitor B complain that A, an appointed representative of Legal & General Partnership Services Limited, gave unsuitable advice to pay unsecured debts using a mortgage (“consolidation”) and caused them financial loss. They want compensation... (2 pages)View decision -
Decision Reference DRN-5091011
28 Nov 2024 Aro Finance Limited UpheldMortgagesDRN-5091011 The complaint Mr W has complained that Aro Finance Limited mis-sold him a second charge mortgage in 2021. Mr W has said that the mortgage was unaffordable, has made his situation worse, and he considers Aro took advantage of him when he was desperate for help. What happened ... (4 pages)View decision -
Decision Reference DRN1134117
19 Apr 2013 Debt Managers Limited Not upheldBanking and creditMr Q complains that Debt Managers has not given him proof either that it had authority from Lloyds TSB Bank to collect payments for a debt he owed the bank, or that it had passed these on to the bank. In addition, it did not provide him with a copy agreement and statement of ac... (2 pages)View decision -
Decision Reference DRN3870026
13 Feb 2014 123 Debt Solutions Ltd UpheldBanking and creditMiss B complains that 123 Debt Solutions Ltd did not treat her reasonably or fairly in that it took money for a PPI claim when she had expressly told it not to. She also complains that when she told it she could not afford her monthly payments towards the PPI claim and debt management... (3 pages)View decision -
Decision Reference DRN5929217
17 Jul 2018 PRA Group (UK) Limited Not upheldBanking and creditMr L complains that PRA Group (UK) Limited (“PRA”) has given him inadequate information about the debt it says he owes it.Mr L is represented in this complaint by his solicitor.backgroundMr L says he asked PRA for information about the credit agreement and the al... (2 pages)View decision -
Decision Reference DRN4807826
28 Jun 2018 Nationwide Building Society Not upheldBanking and creditMr B’s representatives, the Citizen’s Advice Bureau (CAB), has complained on his behalf that correspondence relating to a credit card debt he has with the Nationwide Building Society (Nationwide) , has been sent directly to Mr B rather than to the CAB. Mr B is als... (2 pages)View decision
