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 DRN0515766
7 Feb 2019 Link Financial Outsourcing Limited UpheldBanking and creditMs M complains that Link Financial Outsourcing Limited did not provide her with information when her debt was transferred to it and failed to respond to requests for information. She feels she should get compensation and her credit file should be amended.background Ms ... (2 pages)View decision -
Decision Reference DRN3703465
20 Sep 2016 Lloyds Bank PLC Not upheldBanking and creditMr M complains that Lloyds Bank PLC put him in a situation where he had no choice but to take out a mortgage with Lloyds to re-mortgage his property and consolidate his debts.backgroundMr M banked with Lloyds. He applied for an unsecured loan of over £24,000 to clear ou... (3 pages)View decision -
Decision Reference DRN5309291
5 Nov 2018 Robinson Way Limited Not upheldBanking and creditMr R complains about a County Court Judgement (CCJ) Robinson Way Limited has obtained in relation to an old credit card debt. Mr R says he’s previously agreed a settlement for the debt and that the balance is too high. backgroundMr R had a credit card debt with Barcl... (3 pages)View decision -
Decision Reference DRN-4755156
17 May 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4755156 The complaint Mr K complained that National Westminster Bank PLC (NatWest) incorrectly pursued him for debt which had been settled some years ago causing him distress and inconvenience. Mr K was also unhappy with NatWest’s delay responding to his complaint including a Subject A... (3 pages)View decision -
Decision Reference DRN-3469758
27 Jun 2022 Arrow Global Limited Not upheldConsumer CreditDRN-3469758 The complaint Mr C is unhappy that Arrow Global Limited has asked him to repay a debt without giving him evidence that he’s liable for it. What happened In May 2012 Arrow bought an outstanding debt in Mr C’s name. The debt relates to a credit card with a business I will refer t... (2 pages)View decision -
Decision Reference DRN4022638
11 Apr 2013 Lloyds TSB Bank Plc UpheldBanking and creditMr B and Mrs C’s complaint is in respect of a current account with Lloyds TSB Bank Plc (“Lloyds TSB”). The account was initially a sole account in Mr B’s name only before it was asked that Mrs C be added in July 2004. The bank declined this request due to Mrs C’s credit score. But she ... (3 pages)View decision -
Decision Reference DRN-2089754
10 Nov 2020 Capquest Debt Recovery Limited UpheldBanking and PaymentsDRN-2089754 The complaint Mrs R is unhappy that Capquest Debt Recovery Limited (Capquest) didn’t default her account when it should’ve done, meaning it continued to show on her credit file for longer than necessary. What happened Ten years ago Mrs R had a number of debts, but she was unabl... (3 pages)View decision -
Decision Reference DRN1987787
30 Aug 2019 Paragon Finance Plc Not upheldBanking and creditMr P complains that Paragon Finance PLC are unfairly pursuing him for payment of a debt they bought. backgroundMr P took out a credit card account with a bank in 2004. In early 2013, the bank formally notified him they’d sold the debt accumulated on that account. The bank have confirmed t... (3 pages)View decision -
Decision Reference DRN3719121
16 Jul 2015 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs S complain they received unsuitable mortgage advice from National Westminster Bank Plc. Mr S has dealt with the complaint throughout, with assistance from his son.backgroundIn January 2007 Mr and Mrs S took out a mortgage through NatWest. Although NatWest says... (4 pages)View decision -
Decision Reference DRN2748608
19 Aug 2014 Debt Connect (U.K.) Limited UpheldBanking and creditMr and Mrs H complain that Debt Connect (UK) Limited has mismanaged their debt management plan.our initial conclusionsThe adjudicator recommended that the complaint should be upheld. She concluded that Debt Connect had not passed on Mr and Mrs H’s money to their creditors. The adju... (2 pages)View decision