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 74386 results
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Decision Reference DRN7925805
8 Jul 2014 Pentagon (UK) Limited Not upheldBanking and creditMiss W and Mr T complain that: Pentagon (UK) Limited (trading as EuroDebt Financial Services) failed to tell them that their lender was unlikely to agree to freeze interest if they entered into a debt management plan, and when it did in fact refuse to do so; and the debt managem... (3 pages)View decision -
Decision Reference DRN5552381
29 Sep 2016 Moneyplus Group Limited Not upheldBanking and creditMiss S complains that Moneyplus Group Limited mis-sold her a debt management plan. The complaint is brought on her behalf by a claims management company. It says Moneyplus didn’t give Miss S any alternative solutions and that bankruptcy would’ve been a better option.... (2 pages)View decision -
Decision Reference DRN-4318416
27 Sep 2023 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-4318416 The complaint Mr G complains about legal action Cabot Credit Management Group Limited intends to take in relation to a credit card debt. What happened Mr G had a credit card with a business I’ll call N that was closed at default in June 2022. Cabot purchased the debt from N in ... (3 pages)View decision -
Decision Reference DRN-1438344
21 Aug 2020 Personal Touch Financial Services Ltd Not upheldMortgagesDRN-1438344The complaintMr and Mrs B complain about poor advice and service given to them by an appointed representative of Personal Touch Financial Services Ltd, part of the PRIMIS Mortgage Network. Mr and Mrs B ask for compensation. What happenedMr and Mrs B contacted Personal Touch in N... (3 pages)View decision -
Decision Reference DRN3916418
19 Nov 2013 MCO Capital ltd UpheldBanking and creditMr J complains that MCO Capital Limited (trading as Speedcredit) pursued him for a debt that he did not owe and instructed debt collection agents. backgroundMr J applied for a loan from Speedcredit in October 2012 and although being informed that the funds had been sent to him, he neve... (2 pages)View decision -
Decision Reference DRN3784140
29 Oct 2018 Home Retail Group Card Services Limited Not upheldBanking and creditMs S complains about charges applied to her account with Home Retail Group Card Services Limited.backgroundMs S is unhappy because Home Retail Group refunded incorrect charges to her account to offset her outstanding balance instead of sending her a cheque.In 2017, whilst... (2 pages)View decision -
Decision Reference DRN4642014
29 Sep 2018 PRA Group (UK) Limited Not upheldBanking and creditMr B complains that PRA Group (UK) Limited (PRA) have been contacting him since he entered into a debt management plan (DMP). He says they should contact the debt management company who manages his affairs and not him and he says their unwelcome contact has caused di... (2 pages)View decision -
Decision Reference DRN6297570
22 Jul 2016 Valour Financial Management Limited Not upheldBanking and creditMiss T complains that she is unhappy about a debt management plan (“DMP”) she entered into with Valour Financial Management Limited, (“VFML”).The complaint is brought to this service on Miss T’s behalf by a claims management company. But for ease, I shall refer below to... (3 pages)View decision -
Decision Reference DRN9767214
6 May 2015 American Express Services Europe Limited Not upheldBanking and creditMr L complains about a debt with American Express Services Europe Limited and is unhappy about the debt still showing on his credit file. He believes the debt is statute barred and it should therefore no longer be showing with the credit reference agencies. backgrou... (2 pages)View decision -
Decision Reference DRN5837276
16 Jan 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr T complains that The Royal Bank of Scotland plc (“RBS”) unfairly linked his personal account overdraft with his business banking and wrongly registered a default in relation to the overdraft debt. backgroundAs well as having his personal bank account with RBS, Mr T was a partner in ... (2 pages)View decision
