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 DRN3306582
26 Jun 2013 Payplan Partnership Limited UpheldBanking and creditMr C complains about information he was given by Payplan Partnership Limited to enter into an individual voluntarily arrangement (IVA). He says he was told his total debts were in excess of £42,000 and this included a debt of approximately £27,000 that was owed to one creditor. He has... (3 pages)View decision -
Decision Reference DRN2615052
7 Apr 2021 Bank of Scotland Plc Not upheldBanking and creditMr B complains about the way Bank of Scotland plc (trading as Halifax) pursued him for the shortfall debt after his property was sold. He asks that Halifax deals with him directly instead of through debt collection agencies and puts in place a payment plan with proper accounting. Mr B is r... (2 pages)View decision -
Decision Reference DRN1562052
16 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMr and Mrs M complain about a debt reduction agreement that they took out with NEO Media Solutions Limited, trading as One Debt Solution. They complain that it did not pay money to their creditors as it had agreed to do.backgroundMr and Mrs M entered into a debt reduction agreement with... (2 pages)View decision -
Decision Reference DRN7285794
11 Jun 2015 Openwork Limited UpheldBanking and creditMr and Mrs H complain that Openwork Limited advised them to take out an interest only mortgage and to consolidate their debts and say that this advice was unsuitable.backgroundMr and Mrs H remortgaged following advice from Openwork. Their new mortgage was interest onl... (2 pages)View decision -
Decision Reference DRN-2047588
20 Oct 2020 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-2047588 The complaint Mrs B complains about the actions of Link Financial Outsourcing Limited (Link Financial) whilst trying to recover a debt that it says it acquired from the original lender. What happened On 16 December 2014 the original lender wrote to Mrs B to say her debt had bee... (2 pages)View decision -
Decision Reference DRN9462037
17 Oct 2014 MKDP LLP Not upheldBanking and creditMrs K complains that MKDP LLP is wrongly asking her to pay disputed debts, and will not mark the defaults as satisfied on her credit file.backgroundMrs K owed two debts, for current account overdraft and credit card borrowing, to a financial business (‘T’). She was unable to pay these... (2 pages)View decision -
Decision Reference DRN1002276
25 Sep 2019 Hoist Finance UK Limited UpheldBanking and creditMiss B complains Hoist Finance UK Limited (Hoist), has pursued her for a debt which she has paid.backgroundIn May 2019, Miss B was contacted by Hoist about an outstanding debt it said she owed. Miss B complained to Hoist and said she didn’t recognise the debt but that it should have been i... (3 pages)View decision -
Decision Reference DRN4245773
20 Mar 2014 Nationwide Building Society UpheldBanking and creditMr K complains that the Nationwide Building Society applied interest and charges to an outstanding credit card debt incorrectly and that it took unjustified legal action to collect that debt.backgroundThis is a brief summary of an issue going back ten years. Mr K lost his job in 2004 an... (3 pages)View decision -
Decision Reference DRN0148061
12 Oct 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs L complain through their solicitor about the advice they got from Legal & General Partnership Services Limited to consolidate their unsecured debt into a mortgage. Mr and Mrs L would like Legal & General to refund their loss caused by the debt conso... (1 page)View decision -
Decision Reference DRN7218447
14 Dec 2016 DEBT CORRECT Not upheldBanking and creditMrs M complains that a debt management plan was mis-sold to her by Debt Correct. She is being helped with her complaint by a representative.backgroundMrs M entered into a debt management plan with Debt Correct in April 2013. A complaint was made to Debt Correct in ... (2 pages)View decision
