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 69710 results
-
Decision Reference DRN7233349
29 Nov 2019 Hoist Finance UK Limited Not upheldBanking and creditMrs S complains about the contact that she’s received from Hoist Finance UK Limited, trading as Robinson Way, about her debt. She’s being helped with her complaint by her husband.backgroundMrs S had a credit card debt from 2008 with a third party that was transferred to Robinson Way in Sep... (3 pages)View decision -
Decision Reference DRN1057771
7 Aug 2017 Lloyds Bank PLC Not upheldBanking and creditMr M complains that Lloyds Bank PLC is pursuing him for a credit card debt he does not owe. He wants the bank to acknowledge he does not owe it.backgroundMr M applied for a credit card with Lloyds in May 2005 and completed a balance transfer from another bank at the... (2 pages)View decision -
Decision Reference DRN5679799
15 Oct 2019 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs G complain that Bank of Scotland Plc trading as Halifax (“Halifax”) acted unfairly by not contacting Mrs G sooner about a mortgage shortfall debt. Mrs G wants compensation for not being contacted earlier about the debt.backgroundMr and Mrs G had a mortgage with Halifax, but Mrs ... (2 pages)View decision -
Decision Reference DRN-2695487
14 May 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2695487 The complaint Mr W complains that NewDay Ltd trading as Aqua (Aqua) lent to him irresponsibly. What happened Mr W applied for a credit card from Aqua. This was approved on 1 May 2016 with a limit of £600. The limit was unchanged. In September 2018, Aqua sent Mr W a Notice of De... (2 pages)View decision -
Decision Reference DRN2077028
10 May 2019 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr R’s complain is about the compensation Bank of Scotland plc (BoS) paid to settle his complaint about a mis-sold payment protection insurance (PPI) policy that was taken out alongside a loan.backgroundIn 2001 Mr R took out a loan with PPI through BoS. The premium fo... (5 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 DRN2163458
14 Feb 2017 Kapama Limited UpheldBanking and creditMiss P complains that Kapama Limited requires her to repay too much towards her loan.backgroundIn 2012 Miss P borrowed £220 from a payday lender. She failed to repay the debt, and the lender added fees and interest until the debt increased to over £2,000. The debt wa... (2 pages)View decision -
Decision Reference DRN2058634
14 May 2018 Link Financial Outsourcing Limited Not upheldBanking and creditMiss C complains that she’s being pursued by Link Financial Outsourcing Limited for a debt that’s unenforceable. She’s being helped with her complaint by a representative.backgroundA debt that was owed by Miss C to a third party was transferred to the current cred... (2 pages)View decision -
Decision Reference DRN4889366
11 Sep 2019 Arrow Global Limited Not upheldBanking and creditMrs T has complained that Arrow Global Limited (‘AGL’) failed to supply paperwork when requested relating to a debt. Mrs T is also unhappy with the steps AGL has taken to recover this debt and any costs and charges it has added.Mrs T wants the balance of the debt to be either written off o... (3 pages)View decision -
Decision Reference DRN-2921176
14 Jul 2021 PayPal Europe Sarl & Cie, SCA Not upheldBanking and PaymentsDRN-2921176 The complaint Mr R is unhappy that PayPal Europe Sarl & Cie, SCA ended its business relationship with him and with how it dealt with the balance of his account. What happened Mr R had an account with PayPal. In September 2020 PayPal placed a limitation on the account. Mr R ... (3 pages)View decision
