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 71923 results
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Decision Reference DRN5945345
7 Jul 2015 The On-Line Partnership Limited UpheldBanking and creditMiss P complains that The On-Line Partnership Limited mis-sold her a mortgage. The complaint is brought on her behalf by a solicitor.backgroundWhen Miss P wanted to re-mortgage she sought advice from The On-Line Partnership. It recommended a two year fixed rate inter... (2 pages)View decision -
Decision Reference DRN-5013765
23 Sep 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5013765 The complaint Mr F complains that NewDay Ltd trading as Pulse sold his debt to a third party whilst he was in a payment plan. What happened Mr F held a Pulse Mastercard (formerly Amazon Classic Mastercard) with NewDay. In November 2021 Mr F contacted NewDay and told them he ... (2 pages)View decision -
Decision Reference DRN8843086
7 Mar 2014 Bank of Scotland Plc UpheldBanking and creditMr T complains that Bank of Scotland plc (“BoS”) unfairly holds him liable for debts of his limited company.backgroundMr T was director of a limited company that had its current account with BoS. There was an overdraft facility, and Mr T had given his personal guarantee for the company... (4 pages)View decision -
Decision Reference DRN-3182987
1 Dec 2021 Access 4 Finance Limited Not upheldConsumer CreditDRN-3182987 The complaint Mr and Mrs S complain that they were mis-sold a personal loan brokered by Access 4 Finance Limited. What happened In 2015 Mr and Mrs S obtained a personal loan from a third party, secured by a second legal charge on their home. The term of the loan was 15 years. T... (6 pages)View decision -
Decision Reference DRN1660870
30 Jun 2014 Microcredit Limited UpheldBanking and creditMiss G complains about the way Microcredit Limited (trading as MiniCredit.co.uk) has treated her when she experienced financial difficulties. backgroundMiss G took out a loan with Microcredit repayable within 42 days. She experienced financial difficulties during this time and opened a d... (3 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 DRN6712460
7 Oct 2015 Sainsbury's Bank Plc Not upheldBanking and creditMr L complains that Sainsbury’s Bank Plc recorded adverse information on his credit file and refused to remove a default after he settled his credit card debt.backgroundMr L had a credit card with Sainsbury’s Bank. In 2011 he contacted Sainsbury’s to let it know he wa... (3 pages)View decision -
Decision Reference DRN3069711
20 Sep 2016 Link Financial Outsourcing Limited Not upheldBanking and creditMr C complains that Link Financial Outsourcing Limited (“Link”) is chasing him to pay a debt he doesn’t owe it, and is wrongly showing this debt on his credit file.backgroundOur adjudicator didn’t recommend that this complaint should be upheld. From enquiries she had ... (2 pages)View decision -
Decision Reference DRN4179862
21 Apr 2015 American Express Services Europe Limited Not upheldBanking and creditMr B complains that American Express Services Europe Limited passed his debt to a third party despite agreeing not to do so. backgroundMr B used his Amex card for several purchases in April 2014 and the due date for payment was 2 May. He did not make that payment bec... (2 pages)View decision -
Decision Reference DRN2497163
20 Mar 2020 Canada Square Operations Limited Not upheldPayment protection insurance (PPI)Mr W has complained about the way Canada Square Operations Limited (“Canada Square”) has used the compensation it offered to settle a complaint about mis-sold payment protection insurance (“PPI”).backgroundMr W took out two loans with Canada Square. With each loan he took out a PPI policy.... (3 pages)View decision
