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 70772 results
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Decision Reference DRN4703299
22 Oct 2019 Zopa Limited Not upheldBanking and creditMr R’s complaint is that Zopa Limited irresponsibly approved a loan of £10,000 to him in August 2015 which it ought to have known would be unaffordable for him. He seeks a refund of interest on the loan and of charges that may have been applied for missed or late payments.backgroundOne of ... (3 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 -
Decision Reference DRN3348686
31 Mar 2015 National Westminster Bank Plc Not upheldBanking and creditMs R complains that National Westminster Bank Plc mis-sold a loan to her and subsequently mismanaged her account. She wants compensation.backgroundOur adjudicator did not recommend that this complaint be upheld. As the loan was taken out by Ms R partially to repay existi... (4 pages)View decision -
Decision Reference DRN7701291
29 May 2015 Legal & General Partnership Services Limited UpheldBanking and creditMiss S complains through her adviser that Legal & General Partnership Services Limited gave her unsuitable advice to remortgage and consolidate her debts.backgroundMiss S had a mortgage but was advised by Legal & General to remortgage and consolidate her debts.... (2 pages)View decision -
Decision Reference DRN-2237995
15 Oct 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-2237995 The complaint Mr F complains that Santander UK plc (Santander) sent him inappropriate letters regarding his credit card debt. What happened Mr F has a credit card account with Santander and in July 2019 he received a letter from them advising his account was classified as being... (3 pages)View decision -
Decision Reference DRN3645657
5 Oct 2018 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)ComplaintMr T is complaining that Capital One (Europe) plc (“Capital One”) mis-sold him a payment protection insurance (“PPI”) policy attached to his credit card. It has used the compensation due to him to reduce his outstanding debt with it.backgroundMr T took the poli... (3 pages)View decision -
Decision Reference DRN-4954680
24 Oct 2024 Evolution Money Limited Not upheldMortgagesDRN-4954680 The complaint Mr and Mrs W complain that Evolution Money Limited gave them unsuitable advice to take out a second charge mortgage (secured loan). What happened In March 2022, Mr and Mrs W took advice from Evolution about taking out a secured loan to consolidate existing unse... (3 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 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 DRN9248292
29 Jul 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs B, represented by a claims management company, complain that the advice they were given by Legal & General Partnership Services Limited (L&G) to consolidate unsecured debts into their new mortgage was unsuitable.our initial conclusionsOur adjudicator recommended t... (2 pages)View decision
