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 DRN6077450
27 Feb 2018 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr B is unhappy with how Capital One (Europe) plc (‘Capital One’) has offered to resolve his complaint about a payment protection insurance (‘PPI’) attached to a credit card. backgroundMr B took out a credit card in 1998. At the same time he was sold a PPI policy. Mr... (3 pages)View decision -
Decision Reference DRN3281369
6 Apr 2017 Moorcroft Debt Recovery Limited Not upheldBanking and creditMr B complains that Moorcroft Debt Recovery Limited, (“MDRL”) unfairly tried to collect a debt from him. He said that it didn’t have any right to do this, and that the debt wasstatute barred. He also said that MDRL was in breach of the Data Protection Act 1998 a... (3 pages)View decision -
Decision Reference DRN2599858
11 Jan 2018 Link Financial Outsourcing Limited Not upheldBanking and creditMr D complains that Link Financial Outsourcing Limited are pursuing him in relation to a county court judgment (“CCJ”) obtained in 2010. He says that the debt should have been written off as part of that court process.backgroundA trading style of Link obtained a ... (2 pages)View decision -
Decision Reference DRN6365457
30 Aug 2013 MBNA Limited UpheldBanking and creditMs W complains that MBNA Limited has failed to treat her positively and sympathetically since we helped resolve a complaint between them in 2009.backgroundIn 2008 Ms W brought a complaint to this service about the money she owed on her MBNA credit card. In July 2009 an ombudsman consid... (2 pages)View decision -
Decision Reference DRN3520358
3 Apr 2020 Capquest Debt Recovery Limited Not upheldBanking and creditMr H complains that as Capquest Debt Recovery Limited (“CDR”) has been unable to provide the credit agreement it can’t prove that a debt is his and that the outstanding amount should now be cancelled and he should be reimbursed all of the payments he has made on that account. Mr H also ask... (3 pages)View decision -
Decision Reference DRN-5004295
16 Oct 2024 RESOLVECALL LIMITED Not upheldConsumer CreditDRN-5004295 The complaint Mr B has complained about RESOLVECALL LIMITED’s contact regarding a debt. What happened This complaint surrounds a mail order account. The debt owner asked Resolvecall to collect the debt on their behalf. Resolvecall are a regulated debt collection agency. Reso... (3 pages)View decision -
Decision Reference DRN4316477
28 Jun 2013 Nationwide Building Society UpheldBanking and creditMr W complains that Nationwide Building Society is chasing him for a debt he paid in full years ago. our initial conclusionsThe adjudicator recommended that the complaint should be upheld, saying he was satisfied that the debt, which was the subject of County Court proceedings, was ... (2 pages)View decision -
Decision Reference DRN-2496995
12 Jan 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2496995 The complaint Mr D complains that Vanquis Bank Limited sold his credit card debt fraudulently and the Notice of Assignment (NOA) was signed by a person who doesn’t work at Vanquis and so he believes it was forged. What happened In November 2019 Mr D complained to Vanquis that h... (3 pages)View decision -
Decision Reference DRN2459288
8 Aug 2014 HSBC Bank plc Not upheldBanking and creditMrs E complains about charges and interest incurred on her current and credit card accounts with HSBC Bank plc. She says that she is in financial difficulty and wants the bank to refund charges and interest and freeze interest on her accounts. Mrs E is assisted in bringing her complaint ... (2 pages)View decision -
Decision Reference DRN2189372
7 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMiss B complains about a debt reduction agreement that she took out with NEO Media Solutions Limited, trading as One Debt Solution. She complains that it did not pay money to her creditors as it had agreed to do and that it did not respond to her concerns satisfactorily.backgroundMiss B... (2 pages)View decision
