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 70502 results
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Decision Reference DRN-3025112
14 Oct 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3025112 The complaint Mr W is unhappy that Bank of Scotland plc, trading as Halifax UK, sold a debt to a debt purchasing company which he feels they should have written off. What happened Mr W opened a student account with Halifax in 2008. The account became overdrawn and was defaulted... (2 pages)View decision -
Decision Reference DRN6330097
6 Nov 2013 Santander Cards UK Limited Not upheldBanking and creditMrs B complains that she is being pursued by Santander Cards UK Limited for debts on two store cards which she says it agreed to write off.backgroundMrs B complained to Santander in 2012, that it had contacted her about debts on two store cards which, she says, it had agreed to write... (2 pages)View decision -
Decision Reference DRN3999788
14 Mar 2017 Barclays Bank Plc UpheldPayment protection insurance (PPI)Mr S has complained about the way Barclays Bank Plc tried to resolve the mis-selling of a payment protection insurance (PPI) policy.backgroundMr S had a credit card with Barclays. Unfortunately, he fell into financial difficulties, and in 2009 he stopped making payment... (3 pages)View decision -
Decision Reference DRN9914697
2 Jul 2019 Hoist Finance UK Limited Not upheldBanking and creditMrs R complains about the way Hoist Finance UK Limited handled her account and she disputes the amount they say she owes them.backgroundMrs R had an account with a bank which was overdrawn. In July 2016, the bank sold the debt to Hoist.Mrs R has been repaying the debt on a monthly basis si... (2 pages)View decision -
Decision Reference DRN4526182
10 Mar 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMr G complains that Lowell Portfolio I Ltd (the business) is chasing him for a debt that is not his.backgroundMr G says that the debt the business is chasing him for is not his. He says that he was a victim of identity fraud around the time the activity on this account happened. He sa... (2 pages)View decision -
Decision Reference DRN-1733910
13 May 2020 National Westminster Bank Plc Not upheldInsuranceDRN-1733910The complaintMr J has complained about the way National Westminster Bank PLC (“NatWest”) has used the compensation it offered to pay him to settle his complaint about the mis-sale of payment protection insurance (“PPI”). What happenedMr J took out a credit card with NatWest and ... (3 pages)View decision -
Decision Reference DRN-1790553
13 May 2020 Capital One (Europe) plc Not upheldInsuranceThe complaint Mrs P has complained about the way Capital One (Europe) Plc (“Capital One”) has used the compensation to settle her complaint about the mis-sale of payment protection insurance (“PPI”) related to a credit card. What happened Mrs P took out a credit card with Capital One and a... (3 pages)View decision -
Decision Reference DRN9209218
2 Oct 2020 The Co-operative Bank Plc UpheldBanking and creditComplaint Miss C complains that following a report of fraud on her account The Co-operative Bank Plc didn’t provide her with correct information which caused her to run up an overdraft of £899.03 and incur bank charges. She would like the debt written off. Background Miss C had a current a... (4 pages)View decision -
Decision Reference DRN5009422
5 Sep 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs J complain that they were given unsuitable mortgage advice by The Royal Bank of Scotland Plc (RBS). our initial conclusionsOur adjudicator didn’t recommend the complaint should be upheld. She was satisfied that these were non-advised sales but that, even if advice had bee... (2 pages)View decision -
Decision Reference DRN8778606
5 Sep 2018 Movitex (UK) Limited Not upheldBanking and creditMrs B complains Movitex (UK) Limited (Daxon) is chasing her for a debt which isn’t enforceable. She wants it to close the account and cease the debt collection activity.backgroundMrs B tells us she asked Daxon to provide her with a copy of a valid credit agreement... (2 pages)View decision
