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 77095 results
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Decision Reference DRN6991179
9 May 2016 Santander UK Plc Not upheldBanking and creditMrs H’s complaint is that Santander UK Plc has unfairly pursued her for payment of two credit card debts. She says that Santander hasn’t been able to provide the original credit agreements for either account.Mrs H also says that Santander has incorrectly sent letters ab... (4 pages)View decision -
Decision Reference DRN8360780
17 Apr 2015 The Debt Dissolver Ltd UpheldBanking and creditMr M has complained that The Debt Dissolver Ltd did not correctly distribute the payments he made to it under a debt management plan. Further, it has not responded to any of his concerns regarding this.backgroundMr M explained he has been making payments to The ... (2 pages)View decision -
Decision Reference DRN-1438344
21 Aug 2020 Personal Touch Financial Services Ltd Not upheldMortgagesDRN-1438344The complaintMr and Mrs B complain about poor advice and service given to them by an appointed representative of Personal Touch Financial Services Ltd, part of the PRIMIS Mortgage Network. Mr and Mrs B ask for compensation. What happenedMr and Mrs B contacted Personal Touch in N... (3 pages)View decision -
Decision Reference DRN0357954
31 Jan 2014 Marlin Financial Services Limited Not upheldBanking and creditMr A complains that Marlin Financial Services Limited pursued him for an invalid debt, refused to deal with his representative and failed to comply with regulations.backgroundIn November 2012 Mr A’s overdraft debt that had already defaulted was assigned to a third party company by the... (2 pages)View decision -
Decision Reference DRN5547661
24 Feb 2015 MKDP LLP Not upheldBanking and creditMr A considers that MKDP LLP must prove he owes it a debt or stop pursuing him for it.our initial conclusionsOur adjudicator said that based on what he had seen the debt does belong to Mr A. Therefore he could not recommend that we should uphold the complaint.MKDP accepted this recomme... (1 page)View decision -
Decision Reference DRN5721653
13 Aug 2014 National Westminster Bank Plc Not upheldBanking and creditMrs E complains that National Westminster Bank Plc (NatWest) has provided confusing and misleading information about a consolidation loan and it is not willing to help her now she is experiencing difficulties in repaying it.backgroundMrs E had a number of accounts in her personal nam... (3 pages)View decision -
Decision Reference DRN-4524861
14 Aug 2024 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-4524861 The complaint Mr B complains that American Express Services Europe Limited (AESEL) closed his credit card account and cancelled the direct debt. He also complains that the management of his account was passed to a debt collection firm. What happened Mr B says that in summer... (3 pages)View decision -
Decision Reference DRN1906113
5 Aug 2014 Barclays Bank Plc Not upheldBanking and creditMr D complains that Barclays Bank PLC, trading as Barclaycard, will not accept his settlement proposal for the credit card debt that he owes to it. He is being helped with his complaint by his father.backgroundMr D had a credit card debt to Barclaycard that he was unable to repay due ... (2 pages)View decision -
Decision Reference DRN3000472
20 Feb 2014 HSBC Bank plc Not upheldBanking and creditMr N complains that HSBC Bank Plc continued to pursue him for a debt for three years after it agreed that the debt was not his.background A fraudster borrowed money in Mr N’s name from HSBC. As a result of the fraudster’s actions, there was an unpaid debt and HSBC applied a default mar... (2 pages)View decision -
Decision Reference DRN-4507685
8 Mar 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4507685 The complaint Miss T complains that Barclays Bank UK PLC trading as Barclaycard gave her incorrect information about regarding her debt. What happened Miss T held an account with Barclaycard which defaulted in 2017 after it fell into arrears and remained unpaid. In 2021 Miss T ... (2 pages)View decision