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 70661 results
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Decision Reference DRN7508328
1 Feb 2018 Lloyds Bank PLC Not upheldBanking and creditMiss P complains that Lloyds Bank plc should’ve paid a refund of interest directly to her rather to her outstanding loan balance.backgroundIn 2012, Miss P told Lloyds she was having some financial difficulties and couldn’t keep up with the repayments to her personal... (2 pages)View decision -
Decision Reference DRN6060950
23 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs L complain that Legal & General Partnership Services Limited gave them unsuitable advice about consolidating debts.backgroundMr and Mrs L asked for advice from Legal & General about re-mortgaging in 2010. Their fixed rate product had ended and they ... (2 pages)View decision -
Decision Reference DRN-4008955
24 Apr 2023 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4008955 The complaint Miss K complains National Westminster Bank Plc unfairly kept hold of a payment which they shouldn’t have. She wants the payment returned. What happened The facts surrounding Miss K’s complaint are well known to both parties. In summary: Miss K held several accoun... (3 pages)View decision -
Decision Reference DRN-2789689
26 Jul 2021 Secure Trust Bank Plc Not upheldConsumer CreditDRN-2789689 The complaint Mr B complains about the actions of Secure Trust Bank plc, trading as Moneyway, in response to his voluntary termination of a hire purchase agreement under which a car had been supplied to him. What happened A used car was supplied to Mr B under a hire purchase ag... (3 pages)View decision -
Decision Reference DRN5442596
24 Mar 2015 Blue Finance Management Limited UpheldBanking and creditMiss G complains that Blue Finance Management Limited (trading as DEBTPLAN Direct) (the business) set up a debt management plan (DMP) for her that was not in her best interest and did not tell her about the upfront charges. backgroundMiss G says that the business ca... (2 pages)View decision -
Decision Reference DRN9699095
2 Jul 2013 John Lewis Financial Services Limited Not upheldBanking and creditMr E complained that John Lewis Financial Services Limited (“John Lewis”) irresponsibly provided him with a credit card account. He says John Lewis has not helped him, given his financial difficulties and health issues; and he provided income and expenditure information and offered to m... (3 pages)View decision -
Decision Reference DRN8357812
20 Nov 2015 Idem Capital Securities Limited Not upheldBanking and creditMrs W complains about Idem Capital Securities Limited (“Idem”) which has taken over a debt she owed. She says she wasn’t told about this until recently and has found out she now has a county court judgment (“CCJ”) against her.backgroundIn 2006, Mrs W took out a loan whi... (2 pages)View decision -
Decision Reference DRN-4193718
15 Nov 2023 Great Lakes Insurance SE Not upheldInsuranceDRN-4193718 The complaint A group of limited companies, that I will refer to collectively as T, complain about decision of Great Lakes Insurance SE to decline their commercial insurance claim and void their policy. What happened The following is intended only as a brief summary of events. ... (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 DRN-2805020
25 May 2021 Debt Managers (Services) Limited Not upheldConsumer CreditDRN-2805020 The complaint Mrs K is unhappy with the way that that Debt Managers (Services) Limited (DMSL) has tried to collect a debt in her name. Mrs K wants DMSL to stop asking her to repay the debt or provide evidence that it is entitled to collect it from her. What happened DMSL bought... (3 pages)View decision
