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 DRN7036414
24 Oct 2013 Hillesden Securities Limited Not upheldBanking and creditMrs Y complains about Hillesden Securities Limited (trading as DLC) asking her to repay a debt that she says is not hers. She says the debt was for her deceased husband and it was in his sole name. She says it was not a joint debt and she should not therefore be asked to repay the debt. b... (2 pages)View decision -
Decision Reference DRN-3090325
6 Oct 2021 American Express Services Europe Limited (AESEL) UpheldBanking and PaymentsDRN-3090325 The complaint Mr L is unhappy that American Express Service Europe Limited (AESEL) (“Amex”) suspended his credit card account. What happened Mr L received a letter from Amex in June 2020 which advised that his account was considered as being in a state of persistent debt and th... (4 pages)View decision -
Decision Reference DRN-3141065
4 Nov 2021 American Express Services Europe Limited (AESEL) UpheldBanking and PaymentsDRN-3141065 The complaint Ms S is unhappy that American Express Services Europe Limited (AESEL) (“Amex”) suspended his credit card account on the basis of persistent debt. What happened In September 2020, Amex wrote to Mr S and explained that because his credit card account had been identi... (4 pages)View decision -
Decision Reference DRN3999235
30 Sep 2014 Link Financial Outsourcing Limited Not upheldBanking and creditMr R complains that Link Financial Outsourcing Limited is pursuing him for debt that he does not owe to it.our initial conclusions Our adjudicator did not recommend that the complaint should be upheld. She was satisfied that Link was entitled to purchase the debt and it did not need Mr R’... (2 pages)View decision -
Decision Reference DRN0992555
3 Oct 2013 HFO Services Limited Not upheldBanking and creditMs H complains that she has been harassed by HFO Services Limited (HFO) in pursuit of an outstanding debt and that the amount claimed by HFO is incorrect.backgroundMs H’s debt of £2,031.97 was assigned to HFO in February 2008. HFO and Ms H exchanged correspondence and had a number of tele... (2 pages)View decision -
Decision Reference DRN5370845
30 Aug 2017 MEM Consumer Finance Limited Not upheldBanking and creditMr P complains that MEM Consumer Finance Limited (trading as Payday UK) is pursuing him for repayment of a payday loan.backgroundMr P had a loan from Payday UK in 2012. Mr P didn’t make any repayments, so the account defaulted and the debt was later sold on. The de... (2 pages)View decision -
Decision Reference DRN6483793
20 Oct 2016 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mrs N is complaining that Capital One (Europe) plc (Capital One) mis-sold her a payment protection insurance (PPI) policy. She’s unhappy that it’s used some of the compensation it’s offered her to reduce an outstanding debt.background Mrs N is complaining about a PPI po... (2 pages)View decision -
Decision Reference DRN3786976
3 Jul 2014 Northern Bank Limited UpheldPayment protection insurance (PPI)This complaint concerns the redress related to single premium payment protection insurance policies (PPI) associated with two loans from Northern Bank Limited (Northern Bank). Northern Bank wants to set the redress due to Miss J against an outstanding debt on her credit card with Norther... (3 pages)View decision -
Decision Reference DRN6382124
21 Nov 2014 Arrow Global Limited UpheldBanking and creditMrs B complains that Arrow Global Limited is pursuing her for the wrong amount of money. She says the balance includes Payment Protection Insurance (“PPI”) premiums. She says that this is unfair because the PPI policy was missold to her and so any premiums added to the balance of th... (2 pages)View decision -
Decision Reference DRN7890305
26 May 2016 PRA Group (UK) Limited UpheldBanking and creditMr B complains that PRA Group (UK) Limited (the business) is pursuing him for repayment of a debt which is not his. He complains that he has contacted the business many times about this but not received any replies.backgroundMr B complains that the business is chasing hi... (2 pages)View decision