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 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 DRN1142583
16 Feb 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs H complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).backgroundMr and Mrs H had a mortgage and a range of debts, including credit cards and loans. Acting on advice from L&G, they re-mor... (3 pages)View decision -
Decision Reference DRN4801097
24 Nov 2017 Barclays Bank Plc Not upheldBanking and creditMrs P complained that she shouldn’t be liable for a debt to Barclays Bank PLC, trading as Woolwich. Her partner, who had jointly held the mortgage, had accrued the debt on the mortgage current account.backgroundMrs P bought a property around 15 years ago, and in 2011 she... (3 pages)View decision -
Decision Reference DRN4837424
7 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMrs V complains about a debt reduction agreement that she took out with NEO Media Solutions Limited, trading as One Debt Solution. She complains that it did not pay money to her creditors as it had agreed to do and that it did not refund her money to her when she requested it to do so.ba... (2 pages)View decision -
Decision Reference DRN-3590931
31 Aug 2022 Credit Link Account Recovery Solutions Limited Not upheldConsumer CreditDRN-3590931 The complaint Miss H has complained that Credit Link Account Recovery Solutions Limited are pursuing her for a debt which she feels they haven’t sufficiently proven she owes them. What happened This complaint surrounds a consumer credit account that was opened in 2019, and was ... (2 pages)View decision -
Decision Reference DRN2378638
1 Aug 2017 Everyday Loans Limited Not upheldBanking and creditMrs N complains that two loans she took out with Everyday Loans Limited were unaffordable.backgroundIn June 2011 Mrs N took out a loan with Everyday Loans for £3000 to consolidate other debts. In August 2012 she took out a further loan for £6000 which consolidated he... (2 pages)View decision -
Decision Reference DRN3069711
20 Sep 2016 Link Financial Outsourcing Limited Not upheldBanking and creditMr C complains that Link Financial Outsourcing Limited (“Link”) is chasing him to pay a debt he doesn’t owe it, and is wrongly showing this debt on his credit file.backgroundOur adjudicator didn’t recommend that this complaint should be upheld. From enquiries she had ... (2 pages)View decision -
Decision Reference DRN5620563
16 Jun 2020 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Ms I is unhappy with how Capital One (Europe) Plc (Capital One) has used the compensation it offered to settle her complaint about a mis-sold payment protection insurance (PPI) policy related to a credit card.backgroundMs I took out a credit card with Capital One in 2005 and also took out ... (4 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 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