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 74313 results
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Decision Reference DRN0313103
4 Dec 2014 Capital One (Europe) plc Not upheldBanking and creditMr C, complains that Capital One (Europe) plc did not give reasonable consideration to his offer in settlement to clear his credit card balance and sold it to a third party. He is represented by his brother, Mr A.our initial conclusionsThe adjudicator did not recommend that t... (2 pages)View decision -
Decision Reference DRN9558796
1 May 2015 Yorkshire Building Society Not upheldBanking and creditMr G complains that Yorkshire Building Society (trading as Norwich & Peterborough Building Society) mis-sold him a loan consolidating his debt which was secured on his home.backgroundMr G took out a mortgage with Yorkshire Building Society in 2004. In January 2008 he ... (2 pages)View decision -
Decision Reference DRN1622062
9 Mar 2020 Legal & General Partnership Services Limited Not upheldBanking and creditMr H and Ms D complain they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.backgroundMr H and Ms D took advice from L&G when the fixed rate on their previous mortgage was coming to an end.As a result of the advice they re-mor... (2 pages)View decision -
Decision Reference DRN-5404496
18 Mar 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5404496 The complaint Mr S complains that Vanquis Bank Limited was irresponsible in its lending to him. What happened Mr S was provided with a £5,000 loan by Vanquis in November 2022. The loan term was 36 months and Mr S was required to make monthly repayments of around £204. Mr S s... (3 pages)View decision -
Decision Reference DRN2768329
24 Jan 2014 Lloyds Bank PLC Not upheldBanking and creditMr B complains that poor service provided by Lloyds Bank PLC on his business account has led to financial problems and caused him serious inconvenience and distress. background Mr B had a loan and a business current account – with an authorised overdraft - with the bank. These accounts... (3 pages)View decision -
Decision Reference DRN0084718
29 Jan 2015 Tesco Personal Finance PLC UpheldPayment protection insurance (PPI)Tesco Personal Finance PLC (Tesco) sent part of the compensation for a mis-sold payment protection insurance (PPI) policy to a third party debt collecting agency (DCA). Miss A says Tesco should pay all the compensation directly to her. backgroundMiss A took out a loan with Tesco, at the ... (3 pages)View decision -
Decision Reference DRN5172050
4 May 2017 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr W and Miss M complain that Harrington Brooks (Accountants) Limited mis-sold them a debt management plan. The complaint is brought on their behalf by a claims management company. It says it would’ve been more suitable for each of them to enter into a debt relief... (4 pages)View decision -
Decision Reference DRN-3457165
24 Oct 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3457165 The complaint Ms B complains about the actions of National Westminster Bank Plc regarding the settlement of business debts and reviews of the bank’s lending. Ms B brings the complaint behalf of herself and the estate of her late partner, Mr A. What happened Ms B and Mr A were b... (3 pages)View decision -
Decision Reference DRN2572109
22 Jun 2015 Canada Square Operations Limited Not upheldBanking and creditMrs H complains that Canada Square Operations Limited went back on a deal it made with her. She says it agreed to accept £2,000 in full and final settlement of her debt. But it then sold on the debt – most likely as a result of an administrative mistake on its... (2 pages)View decision -
Decision Reference DRN5592917
17 Apr 2013 MBNA Limited UpheldBanking and creditMrs G complained about MBNA Limited (“MBNA”) not refunding a payment to her credit card account – which had been transferred to MBNA from another credit card provider - following a claim she made under section 75 of the Consumer Credit Act 1974 (“section 75”) for services she did not re... (2 pages)View decision
