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 70661 results
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Decision Reference DRN2865628
23 Jun 2015 Legal & General Partnership Services Limited UpheldBanking and creditMrs D complains that she received unsuitable mortgage advice from an appointed representative of Legal & General Partnership Services Limited (L&G). backgroundMrs D exercised her right to buy a council property in February 2005 and took mortgage borrowing with a t... (3 pages)View decision -
Decision Reference DRN6241646
2 Jan 2014 1st Credit (Finance) Limited Not upheldBanking and creditMr B complains that 1st Credit (Finance) Limited has asked him for repayment for a debt that he has not acknowledged and which he has heard nothing from the creditor for the past six years. He says 1st Credit has not shown that the debt is not statute barred under The Limitations Act 19... (2 pages)View decision -
Decision Reference DRN9498032
9 Dec 2019 NRAM Limited Not upheldBanking and creditThis complaint is about a debt that NRAM Limited is trying to recover from Mr H. He says it’s not his debt and even if it was, NRAM is statute-barred from pursuing him for it.backgroundIn what follows, I have summarised events in rather less detail than they’ve been presented, using my own... (4 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 DRN0259480
12 Jul 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMs W’s complaint is that she was badly advised by Legal & General Partnership Services Limited (L&G). She says that she was mis-sold a mortgage in 2008 as the advice to consolidate debts into an interest-only mortgage was unsuitable. Ms W is represented in her... (4 pages)View decision -
Decision Reference DRN3276231
15 Aug 2014 Shop Direct Finance Company Limited Not upheldPayment protection insurance (PPI)Mrs A’s complaint is about the amount of compensation she should receive from Shop Direct Finance Company Limited (“Shop Direct”). Mrs A believes she should receive all of the redress payable directly to her.backgroundMrs A complained about a regular premium payment protection insurance ... (3 pages)View decision -
Decision Reference DRN-5037714
23 Oct 2024 TRANSUNION INTERNATIONAL UK LIMITED UpheldConsumer CreditDRN-5037714 The complaint Mr G complains TransUnion International UK Limited incorrectly reported a debt on his credit file. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant elements of this below, and th... (7 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 DRN3281369
6 Apr 2017 Moorcroft Debt Recovery Limited Not upheldBanking and creditMr B complains that Moorcroft Debt Recovery Limited, (“MDRL”) unfairly tried to collect a debt from him. He said that it didn’t have any right to do this, and that the debt wasstatute barred. He also said that MDRL was in breach of the Data Protection Act 1998 a... (3 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
