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 69825 results
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Decision Reference DRN-3234510
4 Jan 2022 Sainsbury's Bank Plc UpheldConsumer CreditDRN-3234510 The complaint Mr M complains that Sainsbury's Bank Plc (Sainsbury’s) should have defaulted his personal loan earlier than they did. What happened In July 2018, Mr M took out a personal loan of £15,000 with Sainsbury’s. Monthly repayments were £302.15 over 60 months. The AP... (3 pages)View decision -
Decision Reference DRN4072970
30 Sep 2016 Vincent Bond & Co. Limited UpheldBanking and creditMrs B complains that Vincent Bond and Co. Limited was wrong to provide her with a debt management plan when she could have accessed the same service for free elsewhere.Mrs B brings her complaint with the help of a claims management company (CMC). For ease of reading ... (3 pages)View decision -
Decision Reference DRN1602563
29 Jul 2015 HSBC Bank plc Not upheldBanking and creditMr T complains that HSBC Bank Plc has refused to consolidate his debts in one personal loan, causing him more debt. He wants it to consolidate his debts into a personal loan, and to refund charges and interest on his current and credit card accounts over the last ... (2 pages)View decision -
Decision Reference DRN1691119
22 Aug 2013 PDL Finance Limited UpheldBanking and creditMiss N complains that PDL Finance Ltd (trading as Mr Lender) took money from her bank account to settle an outstanding debt without her permission.backgroundMiss N took out a loan with Mr Lender in March 2011, repayable the following month. She fell into financial difficulties and was ... (2 pages)View decision -
Decision Reference DRN5678253
30 Dec 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr F complains The Royal Bank of Scotland Plc should write off a debt as it is now unenforceable because it is statute barred.backgroundMr F took out a loan in 2003 with a business for which RBS is responsible. He says he was then involved in an accident as a result of which he was no l... (1 page)View decision -
Decision Reference DRN7582007
26 Feb 2018 Barclays Bank Plc Not upheldBanking and creditMr S complains that Barclays Bank Plc didn’t administer his loan and credit card account properly. As a result his credit card account was defaulted and passed to a debt collector.backgroundMr S took out a loan in 2008. He repaid the balance of his credit card account... (2 pages)View decision -
Decision Reference DRN5045708
3 Oct 2016 Moneyplus Group Limited UpheldBanking and creditMiss H complains about the monthly fee taken by Moneyplus Group Limited. She wants the fee refunded.backgroundThe background to this complaint and my initial conclusions, were set out in my provisional decision dated 2 August 2016; a copy of this is attached and forms... (4 pages)View decision -
Decision Reference DRN5035634
12 Feb 2019 The Royal Bank of Scotland Plc Not upheldBanking and creditMr M complains that The Royal Bank of Scotland plc (RBS) put a charge on his property. He doesn’t believe it should have done so as he was in the process of setting up a trust deed at the time. Mr M would like the charge taken off his property.backgroundMr M says i... (3 pages)View decision -
Decision Reference DRN2255466
25 Aug 2015 Haydon Associates Debt Management Consultants Ltd Not upheldBanking and creditMs W has complained that she was badly advised about her debt reduction plan by Haydon Associates Debt Management Consultants Ltd, and she is now in a worse position than before she entered into it.background Ms W entered into a debt reduction plan with Haydon. She fee... (1 page)View decision -
Decision Reference DRN2216159
7 Nov 2014 National Westminster Bank Plc UpheldPayment protection insurance (PPI)Mr A’s complaint is about the compensation from a mis-sold payment protection insurance (PPI) policy. National Westminster Bank Plc (NatWest) wants to use the compensation to offset against arrears. Mr A wants NatWest to pay the compensation directly to him.backgroundAn adjudicator from t... (2 pages)View decision
