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 71745 results
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Decision Reference DRN-4851966
13 Jun 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4851966 The complaint Mr R complains National Westminster Bank Plc didn’t record the date of his default correctly or update his default to show his debt as settled or let him know that it had decided not to pursue him for the debt. He complains that National Westminster Bank Plc cause... (3 pages)View decision -
Decision Reference DRN-3245060
14 Jan 2022 Sainsbury's Bank Plc UpheldConsumer CreditDRN-3245060 The complaint Mr K complains that Sainsbury's Bank Plc (Sainsbury’s) defaulted his loan and passed the debt to a debt collection agency. What happened Mr K had a loan from Sainsbury’s, and he was struggling to make the payments. In 2015, he fell behind with repayments. In... (4 pages)View decision -
Decision Reference DRN8858678
22 Mar 2017 MBNA Limited UpheldPayment protection insurance (PPI)Mr L is complaining about the amount of compensation MBNA Limited (MBNA) has offered him for mis-selling a payment protection insurance (PPI) policy.backgroundIn 2001 Mr L took out a PPI policy alongside a credit card. In 2003 he got into financial difficulties and he... (2 pages)View decision -
Decision Reference DRN2216159
7 Nov 2014 National Westminster Bank Plc UpheldPayment protection insurance (PPI)Mr A’s complaint is about the compensation from a mis-sold payment protection insurance (PPI) policy. National Westminster Bank Plc (NatWest) wants to use the compensation to offset against arrears. Mr A wants NatWest to pay the compensation directly to him.backgroundAn adjudicator from t... (2 pages)View decision -
Decision Reference DRN-4469071
21 Nov 2023 Zopa Bank Limited Not upheldConsumer CreditDRN-4469071 The complaint Mr S complains that Zopa Bank Limited irresponsibly gave him a fixed sum loan agreement he couldn’t afford to repay. What happened In March 2021, Mr S applied for a fixed sum loan with Zopa. He declared the loan was to be used to consolidate existing debts. The lo... (4 pages)View decision -
Decision Reference DRN6060950
23 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs L complain that Legal & General Partnership Services Limited gave them unsuitable advice about consolidating debts.backgroundMr and Mrs L asked for advice from Legal & General about re-mortgaging in 2010. Their fixed rate product had ended and they ... (2 pages)View decision -
Decision Reference DRN1602563
29 Jul 2015 HSBC Bank plc Not upheldBanking and creditMr T complains that HSBC Bank Plc has refused to consolidate his debts in one personal loan, causing him more debt. He wants it to consolidate his debts into a personal loan, and to refund charges and interest on his current and credit card accounts over the last ... (2 pages)View decision -
Decision Reference DRN1838390
4 Feb 2019 Tesco Personal Finance PLC Not upheldPayment protection insurance (PPI)Ms D isn’t happy with how Tesco Personal Finance Plc (‘Tesco’) has offered to resolve her complaint about a payment protection insurance (‘PPI’) policy attached to her loan.backgroundIn 1999 Ms D took out a loan with Tesco for £15,000 with a term of 60 months. The ... (3 pages)View decision -
Decision Reference DRN1529436
11 Mar 2015 Next Retail Limited UpheldBanking and creditMr B complains that Next Retail Limited (“Next”) has refused to write off his debt, despite the fact that he is seriously ill. It has also transferred his debt to a third party. He further complains that Next only recorded adverse information on his credit file in 2014 rather than when... (2 pages)View decision -
Decision Reference DRN5080734
8 Aug 2017 Robinson Way Limited UpheldBanking and creditMr and Mrs N complain that Robinson Way Limited, (“RWL”), is unfairly pursuing them for adebt that they believe was paid off in 2005.backgroundMr and Mrs N had a current account with a bank (“B”). They believed that B’s accountbalance had been paid in full on 31 Augu... (3 pages)View decision
