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 DRN5422498
2 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMr D complains about a debt reduction agreement that he took out with NEO Media Solutions Limited, trading as One Debt Solutions. He complains that it did not pay money to his creditors as it had agreed to do, that it did not respond to his letters and that it did not return his documen... (2 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 DRN5990383
25 Aug 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr G complains that The Royal Bank of Scotland Plc took money from his savings account to pay off his credit card debt.backgroundMr G fell into arrears with his credit card payments. The bank passed the debt to a debt collector and says a letter was sent to Mr G... (2 pages)View decision -
Decision Reference DRN9240789
26 Nov 2013 DEBT CORRECT Not upheldBanking and creditMr D complains about the way Debt Correct Limited arranged and administered a debt management plan with his creditor.background Mr D was having difficulty making full loan repayments and asked Debt Correct to negotiate a debt management plan. It told him that this had been agreed and he ... (2 pages)View decision -
Decision Reference DRN-6028869
9 Feb 2026 Bank of Scotland Plc UpheldConsumer CreditDRN-6028869 The complaint Mr J complains Bank of Scotland plc trading as Halifax (“Halifax”) have treated him unfairly by selling his debt to a third-party when he was in the process of obtaining medical information to demonstrate his worsening ability to repay. What happened Mr J had m... (4 pages)View decision -
Decision Reference DRN6811550
16 Oct 2019 Arrow Global Limited Not upheldBanking and creditMrs B complains about Arrow Global Limited chasing her for a debt which isn’t enforceable. She wants them to cease debt collection activity and for the balance to be written off. The complaint has been brought by a representative, who I’ll refer to as ‘F’.backgroundF complained to Arrow Gl... (2 pages)View decision -
Decision Reference DRN-3063244
8 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3063244 The complaint Mr B complains that Vanquis Bank Limited (Vanquis) lent to him irresponsibly. What happened Mr B applied for a credit card from Vanquis in November 2018. It was agreed with a limit of £250. In May 2020, the debt was sold to a debt collection agency. Mr B complaine... (2 pages)View decision -
Decision Reference DRN-4623586
15 Mar 2024 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-4623586 The complaint Mr S complains that Link Financial Outsourcing Limited is attempting to collect a debt that is statute barred. What happened In the 1990s Mr S took out student loans. Mr S has explained that in 2004 he didn’t defer the loan repayments and the account was ultimatel... (3 pages)View decision -
Decision Reference DRN-4460776
17 Nov 2023 NRAM Limited UpheldMortgagesDRN-4460776 The complaint Miss A complains that NRAM Limited Will not accept her offer of full and final settlement of a shortfall debt. Caused her distress by raising her expectations by telling her it would consider a full and final offer and then rejecting it without properly consider... (4 pages)View decision -
Decision Reference DRN0781139
24 Jun 2016 Legal & General Partnership Services Limited UpheldBanking and creditThis complaint is about a mortgage arranged for Mr and Mrs M by an adviser connected with Legal & General Partnership Services Limited (L&G).Mr and Mrs M are unhappy that they were advised to remortgage and borrow extra money to consolidate three credit cards... (3 pages)View decision