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 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 DRN6495127
28 Jan 2015 Nationwide Building Society Not upheldInsurance (excluding PPI)Mr C complains about a debt on his mortgage account as a result of payments being taken by Nationwide Building Society to cover the monthly premiums for his contents insurance policy.background Mr C had a mortgage account with Nationwide as well as a home insurance policy. The monthly p... (3 pages)View decision -
Decision Reference DRN7096646
31 Dec 2018 Prac Financial Limited Not upheldBanking and creditMr K is unhappy with how PRAC Financial Limited (PRAC) pursued him for a debt which he thought was settled. PRAC generally acted through its legal representative – but for ease, I’ve just referred to PRAC in my decision. backgroundIn January 2017, a lender wrote t... (4 pages)View decision -
Decision Reference DRN5331269
30 Sep 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMrs A complains that Lloyds TSB Bank plc has used a payment protection insurance (PPI) settlement to clear a debt that, she says, had been settled in 2008. She wants the bank to pay her the full amount of the settlement – about £7,000 more than she has received to date. The bank has of... (3 pages)View decision -
Decision Reference DRN0711523
24 May 2016 HSBC Bank plc Not upheldBanking and creditMr L complains that HSBC Bank Plc has not treated him fairly in that it recorded a default on his credit file without having sent him a default notice. He says the bank is not able to provide proof he owes the debt, and it should remove the default listing. backgroun... (2 pages)View decision -
Decision Reference DRN3905100
27 Sep 2013 Clydesdale Bank Plc UpheldBanking and creditMr and Mrs M complain that Clydesdale Bank PLC has unfairly registered a default against their credit files that resulted from errors it had made with their current account.backgroundMr and Mrs M had a mortgage with Clydesdale that included a current account. This account provided a ... (3 pages)View decision -
Decision Reference DRN8858678
22 Mar 2017 MBNA Limited UpheldPayment protection insurance (PPI)Mr L is complaining about the amount of compensation MBNA Limited (MBNA) has offered him for mis-selling a payment protection insurance (PPI) policy.backgroundIn 2001 Mr L took out a PPI policy alongside a credit card. In 2003 he got into financial difficulties and he... (2 pages)View decision -
Decision Reference DRN-4851966
13 Jun 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4851966 The complaint Mr R complains National Westminster Bank Plc didn’t record the date of his default correctly or update his default to show his debt as settled or let him know that it had decided not to pursue him for the debt. He complains that National Westminster Bank Plc cause... (3 pages)View decision -
Decision Reference DRN-4543092
28 Feb 2024 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4543092 The complaint Mr E complains that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) lent to him irresponsibly. What happened Mr E applied for a credit card from Tesco and in July 2022, it was agreed. Mr E then asked for an increase in the limit in January 2023, and that... (4 pages)View decision -
Decision Reference DRN-2806292
2 Dec 2021 Barclays Bank Plc Not upheldConsumer CreditDRN-2806292 The complaint Mr T complains that Barclays Bank Plc sold his Barclaycard debt to a company, P, which he believes is profiting from the transaction. What happened Mr T had a Barclaycard but was struggling to make payments in line with the agreed terms. In August 2016, when Mr T ... (2 pages)View decision
